There are two ways to pay by scanning the QR code with your credit card, one is to manually scan the QR code to pay, and the other is to scan the QR code at the merchant.

1. Manual code scanning: Take Alipay as an example, open the Alipay mobile APP - scan, and aim at the QR code to be scanned. After successfully scanning the code, you will jump to the payment page. After payment Enter the payment amount on the page, select the payment method as credit card, enter the Alipay transaction password, and the payment can be successful.

2. Scan the QR code from the merchant: Open the Alipay APP, click Payment - Pay to the merchant on the main interface, select a credit card as the payment method, and then show the QR code of the credit card payment page to the merchant, and the merchant will take out Use a QR code scanner to make a successful payment by scanning the QR code.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Advantages of credit cards:

Advantages: Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary purchases without cash in the card.

(1) You can overdraft consumption without deposits, and you can enjoy an interest-free period of 20-56 days;

(2) Not only can you swipe your card safely and conveniently when shopping, Sometimes there are gifts;

(3) When you spend the card at special merchants of the bank, you can enjoy discounts;

(4) Accumulate personal credit and add it to your credit file Complete records and benefit for the rest of your life;

(5) You can cancel or swipe your card to use a national barrier-free ATM or POS machine with the UnionPay logo;

(6) Spend by swiping your card Some credit cards charge existing points, various discounts and sweepstakes throughout the year, so you can always be surprised by the card.

3. Disadvantages of credit cards: Credit cards are like a double-edged sword that can solve temporary economic crises. However, the purpose of banks issuing credit cards is to make money. Once the interest-free repayment period expires, a high interest rate will be charged.

(1) Blind consumption;

(2) Excessive consumption:

(3) Overdue risk;

(4) Need Annual fee: Credit cards basically have annual fees, but there is basically no annual fee policy. If you don't swipe your card a number of times in a year to meet the number specified by the bank, an annual fee will be charged.

(5) Stealing credit cards basically defaults to passwordless credit card consumption. When lost or stolen, it can easily be stolen by others, causing unnecessary trouble or loss;

(6 ) Long-term malicious default will naturally affect your personal credit record and even be blacklisted by the bank. In the future, if you want to get a loan from a bank to buy a house, you may be rejected by the bank.

Operating environment: Alipay version: 10.2.38.8200 Huawei mate30 Hongmeng OS system