Personal QR code, which belongs to scanning code transfer, cannot be used by credit card.

There are two kinds of scanning code payment: main scanning and scanned. Whether you can use a credit card depends mainly on the situation. 1, the main scanning: that is, we use our mobile phone to scan the QR code given by the merchant through the code scanning software. If the QR code of the merchant is a code-scanning sticker provided by UnionPay, you can generally pay by credit card as long as you bind a credit card to your mobile phone. However, if it is a merchant's personal QR code, it belongs to scan code transfer and credit card cannot be used. 2. Scanned: We show the QR code to the merchant, and the merchant takes out the code scanning tool with a code scanning gun. In this case, you can also pay by credit card. You can show the QR code of credit card payment in advance, if not, you can set it yourself.