Alipay users can't use credit cards to transfer goods, but after the credit card is bound to Alipay, users can spend, provided that the merchants for credit collection are opened. When using Alipay to transfer money, users only support balance, balance treasure and bank card. However, Alipay users can return the funds to the credit card bill through Alipay's "Credit Card Repayment" function.

Alipay repayment credit card steps:

1. Log in to Alipay on your mobile phone and click "Credit Card Repayment".

2. Select the bank credit card that the user needs to repay.

3. Enter the "repayment amount" of the credit card, and click "Confirm repayment" after confirmation.

Extended data:

To apply for a credit card:

1. Users bring personal identification documents to the bank to fill in credit card application materials to ensure the authenticity and reliability of personal information.

2. When the bank applies, the user will provide personal financial proof and proof of owning a house and a private car, so that your quota will be larger.

3. After the application materials are approved by the bank, the head office of the bank applies, and the central bank inquires about personal credit records.

4. After approval, users can receive the information sent by credit card on their mobile phones.