Credit cards can be purchased online. Users can first bind credit cards in WeChat, Alipay or other shopping software, and set the payment method as bound credit card payment when shopping online, and then they can shop online. Shopping software such as Taobao, Vipshop, Jumeiyoupin, Dangdang and JD.COM can not only use credit cards to shop, but also enjoy the function of installment shopping. Some products can be exempted from installment, which can relieve the repayment pressure caused by large expenditures for users.