1. If a credit card is to be paid to an individual, the payee usually needs a POS machine. If an individual has a POS machine, he can pay by swiping his card on the POS machine. If the payment is an integer amount, the bank may suspect that the cardholder cashes out, resulting in account risk control and the card being frozen.

2. Binding credit cards on Alipay and WeChat can only be paid to merchants, and it is not supported to transfer money to individuals.

3. If you want to pay an individual, the user can choose a savings card as the payment method; Or give cash directly; WeChat change, Alipay balance or debit card bound by WeChat and Alipay can also be paid.