Credit cards can be used without physical cards.

The physical credit card itself is a virtual card that can be used. If you have a physical card, you can bind it to WeChat or even Alipay. If you bind your credit card in WeChat, you can also use it yourself. But regardless of whether you have a physical card or not, you can use it as long as there is a 60-day interest-free period. If you use a physical card, it is best to withdraw the money and use it.