Answer:

1. Credit cards are safe to use, but you still have to use them on your own computer and install Alipay’s security plug-in. If your computer is virus-free, your credit card is not at risk of being stolen.

2. Credit card payment is also sent to a third-party payment platform first, rather than directly to the seller.

3. Credit card refunds are actually refunded to your Alipay. They are the same as ordinary transaction refunds, which are refunded to Alipay.

4. Using a credit card to purchase Taobao does not affect honest cooperation. As long as you choose a seller with reliable credit, there will be no integrity issues. And even if there are problems in the future, you will still be protected by Taobao, and you can make complaints, returns and exchanges normally!