Yu 'ebao is a balance value-added service created by Alipay. When you transfer money to Yu 'ebao, you buy the Yu 'ebao Monetary Fund provided by Tian Hong Fund, and you can get income. The funds in Yu 'ebao can also be used for online shopping payment at any time, which can be flexibly extracted. Credit card payment is another payment method guaranteed by Alipay, so it has nothing to do with Yu 'ebao.