Yue Bao cannot be recharged with credit cards. Credit cards support transaction payments. The purpose of banks issuing credit cards is to encourage cardholders to spend more with their cards. Credit cards cannot be used for investment and speculation. Since recharging Yu'E Bao with a credit card is not a consumption behavior, cardholders cannot directly recharge Yu'E Bao with a credit card.

In 2012, Alipay announced: "In order to further standardize and promote the development of the Internet payment business, starting from February 8, 2012, credit cards cannot recharge Alipay and Yu'e Bao accounts. The credit card recharge business itself has certain limitations. Cash-out risks, and anti-money laundering and cash-out has always been the common mission and responsibility of commercial banks and Alipay; Alipay, in accordance with the spirit of the draft of the "Measures for the Administration of Internet Payment Business of Payment Institutions" issued by the central bank, has carried out its own business cooperation Regulations have put forward higher requirements, resolutely prevent any individual or organization from using Alipay to cash out, and maintain the environment for using credit cards on the Internet."

Since February 2012, credit cards cannot be used to pay Alipay and balance. The purpose of recharging your treasure account is to prevent credit card arbitrage.