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Does it have any effect if you use Union QuickPass to swipe your own credit card?

No impact.

Using UnionPay to swipe your credit card will not affect the credit card itself. The banking system will only record credit card consumption records, and will not specifically record the payment method. There are also certain risks in using Cloud QuickPass to swipe your card. You must enter your credit card password when swiping your card. Leaking your password may lead to risks.