You can scan the QR code to pay

By binding to a third-party payment platform or the bank's own APP, as long as the merchant and the third-party platform have signed a credit card payment agreement, you can scan the QR code to pay. .

If you bind your credit card to Alipay, WeChat, UnionPay wallet, etc., scan the merchant's payment QR code, or ask the merchant to scan the payment QR code of your Alipay, WeChat or UnionPay wallet, as long as the merchant has After signing the credit card payment agreement, you can complete the credit card scan code payment.

In addition, most banks’ own mobile APPs can also be used for scan-code payment. However, there are fewer merchants that sign with the bank for scan-code credit card payment than with Alipay, WeChat and UnionPay Wallet.

Whether a credit card can be used to pay by scanning the QR code mainly depends on the following factors:

1. Whether the credit card itself has the online payment function, and payment by scanning the QR code is an online payment;

2. Does the merchant's QR code only support credit card payment? Generally, personal QR codes are not supported;

3. The merchant's QR code generally requires relevant certificates and information to be activated;

4. WeChat QR code payment and Alipay payment are relatively mainstream and relatively early. Now many banks and payment companies have also promoted their own QR code payment. This is a trend. People engaged in this aspect of business, There will be better development in the future;

Extended information

Disadvantages of credit card products

1. Credit cards can easily lead to excessive consumption. This is a common problem among people who are in credit card debt. It is painful to swipe a card without paying money, so they spend even more uncontrollably by swiping the card.

2. The annual interest rate of credit cards is as high as 18%, which is really a usury and can cause borrowers to lose money quickly.

3. Credit card debt brings mental stress. Some card slaves report that they are often afraid to open their mailbox or mail.

4. If your credit is not good, the cost of borrowing money will be higher, or you may even be unable to borrow money.

5. Credit cards provide a choice of using debt to support debts or drinking poison to quench thirst, causing debts to get out of control.

6. Short-term preferential interest rates are ultimately worth the loss. A certain percentage of people let emergency financing turn into long-term debt. Therefore, don’t be tempted by short-term low interest rates and make unnecessary borrowing.

7. Too much personal credit limit is not only not evidence of good credit (repayment record is), but it is a risk in the eyes of financiers, which may push up the borrowing interest rate.

8. Gifts from reward programs often collect dust in the garage. Instead of spending money to get gifts, it is more cost-effective to save money directly.

Sogou Encyclopedia: Credit Card