Supplement 1: Bank staff said that online payment generally belongs to credit card consumption, not cash withdrawal. I can't find proof, I can only tell you my personal practice. I often use China Merchants Bank credit card to shop with Alipay on Taobao, and I have never been charged the handling fee and interest (there are these two fees if I withdraw cash). To be on the safe side, I suggest that you don't recharge Alipay before you buy it, which may be regarded as cash withdrawal. You can take pictures of things first, and then pay with Alipay. It must be a credit card.

Supplement 2: There must be a quota limit. It should be 500 yuan. Anyway, I've never succeeded in making a one-time payment over 500 yuan, so I have to buy less than 499.99 yuan separately in several times. I only know that I didn't order this 500 yuan myself, whether it's a credit card or Alipay. For details, please call 95555.