1, WeChat Alipay online consumption is more convenient.

The credit card is bound to WeChat or Alipay. You only need to bring your mobile phone when you go out. When paying, you can scan the QR code or directly generate a consumption record, which is simple, fast and convenient. It is complicated to bring a card when swiping a card, and to enter a password and signature when paying.

2. Credit card consumption preferential activities are more abundant.

Many preferential activities jointly carried out by banks and merchants must be restricted by physical credit card consumption, and WeChat Alipay consumption cannot participate, which is why physical credit card consumption cannot be completely replaced. In addition, credit cards have annual fees and points. At present, most credit cards are swiped six times a year, and the annual fee can be waived the following year.

3. Quota restrictions.

From a security point of view, bar code or QR code payment is still risky. Therefore, it is limited for banks to make online payment by credit cards through third parties. Generally, large-scale consumption cannot be paid, and it must be paid by credit card (of course, the limit standard of each bank is different).

Baidu encyclopedia-credit card