Credit card (debit card) consumption without a card needs to be bound with third-party payment software, such as Alipay, WeChat and China UnionPay Express. When using third-party software to pay, the payment method is switched to credit card (debit card), which can complete the cardless consumption of credit card (debit card). This payment method belongs to online payment. If you use a credit card (debit card) for online payment, you can accumulate credit card (debit card) times, but you can't accumulate credit card (debit card) points.

Credit card (debit card) points of some banks can only be accumulated by swiping POS machines. Users who are interested in points should not choose to pay online.