Online payment is made by SMS. It is still very convenient and safe to use. In addition, ICBC's credit card will be notified by SMS in time, regardless of the amount incurred.

The most important thing is that you have extra money in ICBC's credit card, and there is no handling fee (that is, there is extra money in it if you don't overdraw, and there is no handling fee for withdrawing money at ATM (the same city, where you apply for a credit card), and there will be interest if you overdraw). In other banks, fees are basically available, ranging from ten yuan to dozens of yuan. You deposit the money in the card, then take it out and charge you a handling fee. What do you think is going on?

When trading online, you can choose UnionPay online trading, and enter the card number, expiration date, CVV2 code and SMS to trade. If you trade on Taobao, you only need to bind the first transaction into fast payment. There will be no need for future transactions.

Security (free SMS balance reminder) and convenience (once binding, lifetime use).