Alipay credit card payments are not considered cash withdrawals and are not included in the 20,000 limit.

Restrictions on repaying Alipay balance to credit cards: Alipay non-real-name authenticated users and real-name authenticated users in a certificate environment can use Alipay balance to repay credit cards. The specific repayment limit and number of credit card repayments each time are based on credit cards. The regulations of the issuing bank shall prevail.

However, on February 21, Alipay officially announced that it will charge for the credit card repayment function starting from March 26. The specific rules are as follows:

1. Each Alipay user has a basic free repayment limit of 2,000 yuan per month. Within this 2,000 yuan limit, users will still be free of charge for repaying their credit cards.

2. When the monthly repayment amount exceeds 2,000 yuan, the portion exceeding 2,000 yuan will be charged, with a handling fee of 0.1%.

3. Alipay members can obtain higher free quotas by redeeming points.

Extended information

How to make credit card repayment through Alipay

First, open Alipay and find the "Credit Card Repayment" function on the Alipay homepage. If you can't find it, you can search for it directly in the search bar above.

Enter "Credit Card Repayment". If you haven't added a credit card yet, you can add it first. The credit card number, credit card issuing bank, and cardholder name are required.

Click on the credit card that needs to be repaid, enter the amount in the repayment amount list, and then select "Agree" to the relevant terms to make the repayment.

After repayment, you can see that the repayment is being processed and the estimated time for the payment to arrive.