Credit cards and flower shops are different payment tools, with their own independent accounts and repayment methods. Credit cards are mainly used for consumption and overdraft, and flower buds are Alibaba's payment tools. Although credit cards can be used in the Alipay platform, they cannot be directly used to pay off Bai Hua's debts.

Therefore, if you need to repay Bai Hua's arrears, you need to use other means to repay, such as Alipay balance, bank cards and so on.