1. Online consumption: Users can select the goods they want to purchase in an online mall that supports credit card payment, and then select credit card payment as the payment method. At this time, the user needs to enter the validity period of the credit card and other relevant information. .

2. Offline consumption:

(1) Users can use Alipay, WeChat, etc. to select the corresponding credit card for payment. The prerequisite for payment in this way is that the user's WeChat or Alipay has a credit card bound to it.

(2) Users can use a mobile phone with NFC, open the credit card in the mobile wallet, and put the phone close to the POS machine to complete the card swiping. The prerequisite for payment in this way is that the user's mobile phone supports NFC and a credit card is bound to the mobile wallet.