If the user's credit card is enabled through online banking, you can choose to log in to the online banking system to cancel. Otherwise, you must bring the card owner's ID card and credit card to a Bank of Communications branch to turn off this function.

Of course, if the user's Bank of Communications credit card is bound to Alipay, this function can be turned off directly through Alipay. The steps are as follows:

First, click on the "Alipay" mobile client, open it and click "My" in the lower right corner.

The second step, after entering the "My" interface, click the "Settings" button in the upper right corner to enter the Alipay setting interface.

The third step, after entering the "Settings" interface, click "Payment Settings" on the page to enter the payment settings interface.

The fourth step, after entering the payment setting interface, click the "Password-free payment/automatic deduction" button to enter the password-free payment setting interface.

The fifth step, in the password-free payment setting interface, click "Payment code password-free payment".

The last step is to click to turn off the "Alipay password-free payment function".