Wechat and Alipay recently launched the "credit card withdrawal" function in cooperation with some banks, and are currently opening it to users for testing on a small scale. At present, both Wechat and Alipay are exempt from handling fees for their credit card cash withdrawal functions, which are more favorable than the bank's current handling fee of 2.5% for Wechat and Alipay. In addition, funds withdrawn from credit cards can only be withdrawn to their bank cards, which means that banks will control the use of cash withdrawal funds, which is limited to daily consumption, and is forbidden to invest in the stock market, property market and other areas.