The credit card is bound to WeChat, and you can only scan the merchant's payment code to complete the payment.

According to the query on Xicai.com, the credit card is bound to WeChat, and payment can only be completed by scanning the merchant's payment code. The personal payment code does not have a credit card collection function, and payment cannot be completed with a credit card. Of course, there are also individual users who are individual industrial and commercial merchants. Such users directly apply for the merchant's UnionPay payment QR code. This QR code supports credit card payment. Credit cards bound to WeChat cannot be used to pay with personal payment codes, mainly to avoid cashing out, because merchants have to charge credit card handling fees, but personal payment codes do not charge handling fees.