Can’t WeChat transfers be paid with credit cards?

WeChat transfers cannot be paid with credit cards. The main function of credit cards is overdraft consumption and cannot be transferred directly online. However, it is possible to use a credit card for WeChat payment, as long as the other party is a merchant that supports credit card payment, the payment can be successful.

WeChat is a free application launched by Tencent on January 21, 2011 to provide instant messaging services for smart terminals. It was created by the product team of Tencent Guangzhou R&D Center led by Zhang Xiaolong. WeChat supports cross-communication operators and cross-operating system platforms to quickly send free (requiring a small amount of network traffic) voice text messages, videos, pictures and text through the network. At the same time, you can also use the data and location-based sharing of streaming media content through *** Social plug-ins such as "Shake", "Moments", "Public Platform", "Voice Notepad" and other service plug-ins.

As of the second quarter of 2016, WeChat has covered more than 94% of smartphones in China, with monthly active users reaching 806 million, covering more than 200 countries and more than 20 languages. In addition, the total number of WeChat public accounts of various brands has exceeded 8 million, the number of mobile application dockings has exceeded 85,000, advertising revenue has increased to 3.679 billion yuan, and WeChat payment users have reached about 400 million.

WeChat provides public platform, friend circle, message push and other functions. Users can add friends and follow the public through "shake", "search number", "people nearby" and scan QR code platform, while WeChat shares content with friends and shares exciting content seen by users to WeChat Moments.

In December 2020, WeChat on iOS was updated to version 7.0.20. At the same time, a "WeChat Bean" was added to the personal profile page. On January 21, 2021, WeChat was updated to version 8.0. In July 2021, in the latest version 8.0.8, WeChat can not only log in to mobile phones and PC/Mac devices at the same time, but also added the simultaneous login function of tablet devices. This also means that the logic of using tablet devices in WeChat It is already on the same level as mobile phones and computers, and the number of devices that users can log in to at the same time has reached as many as three. According to news on November 7. The WeChat user complaint page has added the item "Fans' bottomless star-chasing behavior".

Can WeChat payment be paid by credit card?

WeChat payment can be made by credit card. You need to bind the credit card in advance, click on Me-Pay, select Add Bank Card in the bank card in WeChat Wallet, and then bind it. When paying, select the payment method as credit card to use it.

It should be noted that only merchants that support WeChat payment and credit card payment can use this method to conduct transactions. This method can be used for general life consumption and shopping.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed.

At this point the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card. After a credit card merchant or bank accepts a credit card, it must review the validity of the credit card and the identity of the cardholder.

Can WeChat pay by credit card?

Yes. Credit cards can be used on WeChat Pay. The method used is as follows:

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: v8 .0.17

1. Open WeChat and click "Me";

2. Click "Wallet - Bank Card", then select "Add Bank Card" and enter the WeChat payment password to verify your identity You can add it after;

3. After the addition is completed, click "Receive and Payment" on the "My Wallet" page, and then select the credit card you bound on the "Payment Method". The next time the merchant scans the code to collect Payment will be automatically debited from your credit card upon payment.

WeChat can be bound to a credit card for daily consumption payment, but like the bound bank card payment, WeChat credit card support also has a certain limit.

WeChat credit card payment limits are divided into two situations, one is a single limit, usually the limit is between 5,000 and 100,000 yuan; the other is a single-day cumulative limit, usually within Between NT$20,000 and NT$100,000. If the single credit payment limit is exceeded, you can try to pay in multiple payments; if the single-day credit card payment exceeds the limit and has exceeded the maximum limit stipulated by the bank, you can only change the credit card or debit card for payment; if it does not exceed the maximum limit stipulated by the bank, then You can apply to the bank's credit card center to adjust the limit.

The reason why WeChat restricts credit card payments can only be solved by finding out the reason. The cardholder first checks whether the current status of the credit card is normal. As long as it has not been frozen, stopped payment, or blocked, it can be ruled out that the abnormal status of the credit card has caused the card to be blocked. WeChat restricts transactions. Check again to see if the transaction limit has been reached. Major banks will set transaction limits for WeChat credit card payments. In this case, you can change the transaction amount to a smaller amount and try again. If you still can't trade, the main reason is that it has been controlled by risk, and you need to wait for the system to automatically cancel it.

The credit card collection fee for WeChat payment business version is 0.6%. This fee is paid by the merchant, and the payer only needs to pay the normal consumption amount. In addition, the collection fee for other payment methods such as debit card, change, etc. is also 0.6%, and there will be no superimposed charges. As long as you successfully open the WeChat payment commercial version, you can pay the payment handling fee according to the above rates.

Can I use a credit card for WeChat payment?

Users can use a credit card when making WeChat payment. However, some payment environments are also unavailable. For example, the merchant has not opened credit card services or direct transfer payment with friends in the address book. Therefore, whether credit cards can be used for WeChat payment depends on the situation.

Overall, it is mainly determined by two major factors. One is whether a normal transaction occurred; the other is whether the merchant supports credit card payment. Only after these two conditions are met, users can pay by credit card during the WeChat payment process.

The process of binding a credit card to WeChat: In the first step, the user opens his or her WeChat account and clicks "I" below when entering the page. The second step is to enter the "Me" page and click the "Wallet" option on the page. Step 3: At this time we have entered the "My Wallet" page, and the user clicks "Bank Card" on the page again. Step 4: On the new page, we click "Add Bank Card". At this time, according to the relevant prompts on the page, we fill in the bank card and mobile phone number and the binding is successful.

Notes:

1. Repay the loan on time.

Unlike a debit card, a credit card has an overdraft function. Therefore, if the user does not repay the loan in time during use, it may be overdue. Therefore, after users bind their credit cards to WeChat, they also need to pay attention to this aspect.

2. Handling fee issue. Many users often worry about handling fees during the payment process. In fact, every time a user makes a payment, whether it is a debit card or a credit card, there will be a handling fee. However, this handling fee will not be charged from the user during the payment process, but will be deducted from the merchant.

Can WeChat Pay be paid by credit card?

WeChat Pay can be paid by credit card. The specific operation method is:

1. Find "Wallet" in the WeChat My interface. ” function, click to open.

2. Find the "Receipts and Payments" option in the My Wallet interface and click to open it.

3. Find the payment method in the payment interface and click it.

4. Select "Credit Card" in the payment method to pay by credit card.

This is the end of the introduction about whether WeChat payment can be made with a credit card and whether WeChat payment can be made with a credit card. Have you found the information you need?