Credit card online payment generally does not need to be opened, and can be paid directly. For example, I use CCB credit card, and his family has the function of account payment (no need to open online banking). When you pay, you can choose online banking-China Construction Bank-account payment, enter the card number and bind the mobile phone number to obtain the dynamic verification code and additional code, and you can complete the payment, which is also verified by your mobile phone and is very safe. (If it is the first time to pay with an account, you should also enter the last three digits on the back of the card, which are CV2 codes. The validity period of the card is for verification, and it is not needed in the future). I hope it works for you!