Credit cards can't be transferred by Alipay, but can only be consumed by Alipay. If you use a credit card to transfer money on Alipay and then withdraw money from the bank card, you have completed a cash-out behavior. Therefore, Alipay prohibits the use of credit cards to transfer money. This regulation was implemented on February 8, 20 12. But you can pay by Alipay and credit card. For example, when shopping in Tmall or Taobao, you can choose a credit card to complete the payment.