1. Use a computer or mobile phone to log in to your Zheshang Bank account or related mobile applications, enter the correct username and password, and follow the security verification process to protect account security.

2. Find the transfer or payment option and choose to transfer using a credit card. After entering the transfer page, you will usually be asked to enter relevant information of the payee.

3. Find the transfer or payment option and choose to use a credit card to transfer. After entering the transfer page, you will usually be asked to enter relevant information of the payee.

4. Fill in the payee’s name, bank account number, account bank name and address and other necessary information. If necessary, additional information may be required, such as the payee's contact number or remarks.

5. Enter the amount to be transferred. Make sure to fill it out accurately to avoid errors or disputes, and the transfer will be successful.