When Taobao pays, it will only let everyone choose the payment method. When Alipay pays, choose a bank card, and there will be no credit card (debit card) display. However, some merchants do not support credit card (debit card) payment, so when choosing credit card (debit card) payment, the page will turn gray, and users must change other payment methods. In addition, some credit cards (debit cards) do not accumulate points in online transactions.

Therefore, when users pay in Taobao, they need to choose a credit card (debit card) to accumulate points for online transactions, otherwise they will not be able to accumulate points, which is also a loss for users.