No need. Huabei does not need to be bound to a credit card, nor can it be bound to a credit card. It is a "spend first, repay later" payment service provided by Alipay to customers who meet the system's comprehensive scoring standards. It has an overdraft limit like a credit card, but it has no physical entity. The card can be used in any consumption scenario that supports Huabei transactions. Ant Huabei is a consumer credit product launched by Ant Financial. After applying for activation, you will receive a consumption limit ranging from 500 to 50,000 yuan.