First, Alipay needs a refund when it encounters problems. The paid credit card is returned to Alipay account instead of directly returning the credit card.

Second, online credit card consumption is also considered as credit card consumption.

Third, the initial binding of the credit card needs to bind the front card number and the back security code of the credit card, and then the payment can also be set to SMS verification. It is safe for Taobao to use credit cards.

Fourth, Alipay payment can be understood as recharging first and then spending, and credit card payment can be overdrawn, that is, spending first and then paying. It is more convenient to actually operate the credit card.