Alipay doesn't have a credit card, but you can apply for a credit card on Alipay and determine the overdraft limit according to the personal consumption and transfer records of Alipay users.

At present, some banks can apply for credit cards through Alipay, such as Minsheng Bank and China Everbright Bank. In the credit life of Alipay Sesame Credit, Alipay's newly revised credit life not only adds selected services, but also adds the function of handling cards.