Wechat credit card (debit card) payment is the same as POS payment. As long as the payment is successful, there will be a consumption record. Of course, there are differences. POS will accumulate points by swiping credit cards (debit cards), while some banks paid by WeChat will not accumulate points. Therefore, for users who just want to accumulate the number of credit cards (debit cards) to reduce the annual fee, both WeChat payment and POS credit cards (debit cards) are ok.

Online payment is more convenient than offline credit card (debit card) payment, so for users, canceling the function of confidential payment as much as possible can improve the security of credit card (debit card) payment.