There is basically no impact on normal consumption, but there are some concerns about the determination of the amount in the card by the banking system.

In the actual market, the third-party payment method will affect the cash withdrawal of credit cards to some extent. At present, almost all banks cooperate with Alipay. There are points for credit card binding Alipay consumption, but no points for WeChat consumption. Therefore, it is helpful for bank credit cards to use Alipay to raise the amount, but it is not helpful to use WeChat to pay the amount. However, some bank credit cards are paid by Alipay or WeChat, which does not help to increase the quota. Because some bank credit cards have no points for spending through Alipay and WeChat, credit cards are always spent where there are no points, and they will definitely not be raised.

In this way, whether using Alipay and WeChat to swipe credit cards will affect cash withdrawal depends on the cooperation between your credit card and these two companies.