Alipay closed its credit card recharge business from February 8, 20 12, but the credit card payment business was not affected and can still be used, including credit card online banking and credit card express payment. If shopping in a store with a small credit card logo, the cardholder can use the credit card express (including cartoons)/online banking to make a large credit card payment. Fast payment refers to the fast payment of small credit cards directly through Alipay-bound credit cards without online banking.

As for the credit card binding Alipay repayment, there is no need to open online banking. Alipay's credit card repayment business is that Alipay platform directly settles transactions with the issuing bank without going through online banking.