New features on WeChat, Alipay online

Recently, there is news that

WeChat, Alipay recently cooperated with some banks

Line "Credit Card Cash Cash" function

Currently open test to users in a small scale

The news came out

It caused heated discussion among netizens

WeChat, Alipay

Added credit card cash withdrawal function

Free handling fee

The so -called credit card cash withdrawal is also called pre -borrowing cash. It is used when the card holder faces the turnover of temporary funds. Many bank credit cards now support cash withdrawal or electronic cash through offline ATM and online apps.

The reporter searched in Alipay with "credit card cash" and entered the small program. "Sorry, the service has not been opened to you yet."

The authorized user information shows that the credit cards of Everbright Bank, Ping An Bank, and Ningbo Bank can be cash on Alipay channels. One of the bank credit card business people told reporters that the function is still in the trial operation stage, and the market situation and customer experience need to be further observed.

The invited user testing found that "credit card cash" on Alipay, entering the bank applet through the service collection page, and then conducting related operations. At present, this function is in a small -scale test.

Picture source: Beijing Commercial Daily

In addition to Alipay, WeChat also shows users the cash entrance of some banks. At the credit card repayment operation page, you can view and cash withdrawal. In self -operated channels such as bank apps, credit cards can also be found.

At present, WeChat and Alipay are available for free credit cards. The interest calculation method is basically the same as the bank's own channels, but the specific approval work is still completed by the bank.

Picture source: Beijing Commercial Daily

From the obtained WeChat and Alipay -related service agreements, the above -mentioned cash withdrawal services are actually provided by the bank, and the amount and interest rate are reviewed by the bank. The Internet platform does not charge any additional fees.

The service protocol also shows that the cardholder can use the credit card withdrawal service within the cash withdrawal amount given by the card issuer, and you can choose two types: "single month" and "monthly return".

Fund flow is the focus of supervision

After opening the credit card with a third -party platform, how to control the flow of cash withdrawal is also an inseparable topic. On the corresponding cash withdrawal page corresponding to WeChat and Alipay, the cash withdrawal funds are also mentioned that it is limited to consumption and must not be used to invest in wealth management and house purchase.

The reporter learned that after the Internet channels were collected, the funds taken out can only be withdrawn to the bank debit card bound to myself. For example, on WeChat, the credit card of Ping An Bank can be cash out, the funds taken out can be withdrawn to the Ping An Bank debit card, or it can be withdrawn to other bank debit cards under the username. This means that the relevant funds after cash withdrawal need to be supervised with a number of people.

Source: Daily Economic News, Beijing Commercial Daily, First Finance

Shanghai Securities News, 21st Century Business Herald

Coordination/Liang Jingyuan School Reading/Liang Jingyuan Preliminary Audit/Zhang Yaofeng Bin Final Audit/Zhao Min

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