The main advantages are convenience, cross repayment and no handling fee within a certain limit;

For credit cards, it belongs to online consumption behavior, and there will be no credit card points, which is beneficial to credit card withdrawal after accumulated consumption;

For Alipay account, there will be Alipay points for consumption, which can be used to exchange the free reflected amount. Alipay credit card repayment is helpful to provide sesame credit points.