If it is bound, you can pay by credit card. But it also depends on whether the merchant has opened the credit card payment function. If there is, you can use it. If not, it can't be used. And you can't use credit cards to make red envelopes and transfer money to prevent credit cards from cashing out.

To sum up, there are two points: 1, resulting in a real transaction; 2. Merchants support credit card payment. These two points are indispensable.