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How to spend without a credit card?
Credit cards are not used for consumption, so you need to use a third-party payment platform for payment and consumption. The following two are commonly used payment platforms:

An Alipay for consumption;

Log in to Alipay, enter "My Bank Card" and select the binding card;

Bind the credit card to be paid and select "+"in the upper right corner;

Enter the card number, and then select Next. Only the credit card in my name can be bound.

Confirm the payment information and bind the card successfully;

When spending, you can scan the payment and the payment interface will appear;

Enter the payment amount, select "Replace" and select the credit card to be consumed;

Pay and finish the consumption.

Second, Tenpay consumption;

Log in to WX, enter the wallet and enter the bank card;

Select "Add Credit Card";

Enter the payment password to verify identity;

Enter the card number to be consumed, and click Next to confirm;

The card is successfully bound, and the payment code is scanned during consumption, and the payment page appears;

Enter the payment amount and click Transfer or Payment;

Select the card with the payment method to be consumed, and the payment is successful.