If you buy something in a physical store, the payment amount is not too large, you can choose to pay in full by swiping the card directly; If the required amount is large, you can choose to pay by installment, which will generate some handling fees.
If you buy things online, there are several situations:
If your credit card doesn't have online banking, you can choose express payment when you pay, or you can pay without online banking.
To buy things on Taobao, you can recharge Alipay with a credit card or pay directly with a credit card.
Besides, card friends can also use credit card online banking to buy things in the credit card mall in official website.