Nowadays, most people don't take cash when they go out. In most cases, they will directly choose to use WeChat or Alipay for payment. Everyone is familiar with third-party payment such as WeChat or Alipay, and the third-party payment methods such as WeChat or Alipay are relatively simple and convenient. So, will credit card binding WeChat affect credit?

Will credit card binding WeChat affect credit?

As long as it is not overdue, the credit card bound by WeChat will not affect the personal credit of the cardholder. The user's WeChat account can be bound to a credit card, and the remaining funds in the credit card can be paid through WeChat. Of course, it can also be transferred to a credit card account through WeChat transfer. However, a credit card holder's long-term frequent use of online payment methods such as WeChat Alipay will definitely affect his contribution to the bank.

Can WeChat bind credit card transfer?

You can't. WeChat transfer can only be made through WeChat change, change pass and WeChat bound savings card. The savings card bound by WeChat can not only be used to transfer money to others to send red envelopes, but also be paid by the savings card bound by WeChat when spending. Moreover, WeChat change withdrawal can only be carried out on the savings card bound by WeChat, not on the credit card.

Generally speaking, credit card binding to WeChat is only convenient for cardholders to use, such as checking the amount, checking bills and reminding consumers. WeChat Alipay payment belongs to online payment, and direct payment by credit card belongs to offline entity consumption. Compared with online transactions, ICBC prefers to use credit card holders to swipe their cards directly offline.