You can use a credit card to pay the phone bill as follows:

1. First, open Alipay APP and log in to your Alipay account.

2. Then on the Alipay homepage, select the "Recharge Center" indicated by the arrow, and click Enter.

3. In the recharge page, enter the recharge phone number, and select the recharge amount.

4. Next, select the payment method and the credit card to be paid.

5. Next, click "Pay Now" at the arrow and enter the payment password.