Credit cards cannot be used for this credit payment instrument.

Huabei is a credit payment tool launched by Alipay. Users can use Huabei to make consumption payments, but they cannot use credit cards to repay. This is because Huabei and credit cards are two different credit systems and they are not interoperable.

Huabei relies on the Alipay platform. Users can repay through Alipay account balance, debit card quick payment, etc., while credit cards are repaid through the issuing bank. Therefore, users cannot use credit cards to repay Huabei directly.