Some people use it, such as me. After all, Alipay is just an agent. Credit cards still need to be checked by the bank. Generally, if you want to apply for a credit card, you can know the pros and cons by checking online.

First determine the type of card, such as CITIC JD Xiaobai Card, then search it on Baidu, and then read the introduction, paying special attention to the annual fee and handling fee