Specific process:
Step 1: Apply for a credit card first.
Step 2: You use your friend's debit card as a seller to bind Alipay and pretend to open an online shop. You are afraid that credit cards will be bound in the form of buyers.
Step 3: Recharge the credit card to Alipay, and then buy things from a friend's online shop. The delivery method is direct delivery by car. Your friend's online shop places an order for delivery, and after 24 hours, you place an order for receipt.
Step 4: Your friend can transfer money from Alipay to debit card to withdraw cash.
It is a false transaction to cash out with Alipay. After paying by credit card, transfer to debit card through the account, and then withdraw cash from the bank. There is no physical transaction in the whole process, and there is no need to pay extra. In order to avoid this situation, most banks set the credit card single transaction limit around 500 yuan. In fact, this still creates opportunities for cashing out with Alipay credit cards.
For the phenomenon of Alipay cashing out, banks are embarrassed because Alipay has a large online transaction volume. If the bank abandons Alipay, its business volume may also be affected to some extent.
However, Alipay has corresponding measures to prevent cash-out, especially in preventing large cash-out. For example, these two accounts log in on the same IP for many times in one day, and the transaction amount between each account is 1000 every time, and it is 2000 every time. There have been many such transactions, and such transactions may be somewhat abnormal.
So I would like to remind you that two accounts should not be on the same IP. Log in many times a day, and the transaction volume between each account is very large. Also, it is very valuable to pay attention to safety and credit.
If you have any questions, write to me.
Let's talk about practical problems first. I am a novice. Give me some advice.