For credit cards (debit cards), the biggest difference between the two is that WeChat Alipay consumption belongs to online consumption, and direct credit card consumption belongs to physical consumption. Alipay WeChat has entered public life. Now, from street restaurants to specialty stores, WeChat Alipay can pay, and it is more convenient to spend with WeChat Alipay. However, there are advantages and disadvantages. People use credit cards (debit cards) only to increase the quota, enjoy various discounts and ease the financial shortage. Here, I don't recommend that credit cards (debit cards) overuse online consumption and ignore physical consumption.

If Alipay is bound to a credit card (debit card), it will generally be counted as an online transaction, and most banks stipulate that online transactions are not counted as points. However, some banks that have cooperated with Alipay, or some co-branded credit cards (debit cards), such as Taobao co-branded card, JD.COM co-branded card, airline co-branded card, etc., can also accumulate points after being bound to Alipay. Another kind of points is that Alipay or WeChat pays its own points. The points generated by Alipay or WeChat payment can improve the membership level in the APP, and deep users may care more about their membership level. Compared with Alipay's credit card (debit card) consumption, direct credit card swiping will earn more points. In order to encourage the use of credit cards (debit cards), some banks can also get multiple points by swiping offline, which is not small.

In fact, you don't know that there is a limit to the online payment of credit cards (debit cards) by banks through third parties. Generally, large consumption cannot be paid, so you must pay by credit card. Of course, the quota standards of each bank and each person are different.

Credit card (debit card) is directly swiped. Generally, the handling fee for credit card swiping is borne by the merchant, and the offline payment for credit card swiping by WeChat or Alipay is also borne by the merchant. However, in online channels such as Taobao shopping, part of the handling fee will be borne by the cardholder. You can pay attention to it when you buy online. One thing to note is that if you use WeChat and Alipay, remember that each software of WeChat and Alipay can be bundled with 10 credit cards (debit cards). Moreover, Alipay and WeChat platforms restrict credit card (debit card) payment in order to prevent someone from scanning the code to cash out.

I suggest here that you can use WeChat or Alipay for micropayments below 100 if it is convenient. If it is a large amount, it is safe and beneficial to refund the credit card (debit card) or points and swipe the card directly.

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