It is not a credit card consumption, because there is no actual payment transaction in the process of WeChat binding the credit card. Binding a credit card only adds credit card information to WeChat to facilitate the use of WeChat payment function in actual consumer transactions in the future. When users use the WeChat payment function, if they use a bound credit card to pay, it will trigger a credit card transaction, which is equivalent to a credit card consumption.

Can I transfer money by credit card bound by WeChat?

Credit cards bound by WeChat cannot be transferred and can only be used for consumption. When the credit card is bound to WeChat, the personal payment code cannot be paid. If the merchant does not open the credit card payment service, then the user cannot use the credit card to pay for the consumption.