wechat can pay without a bank card, and you can pay with the change in wechat wallet, but only if there is money in the wallet.

The method is as follows:

1. Enter WeChat, click on me and select a wallet;

2. If it is paid in a physical store, you can pay by scanning code;

3. If you are shopping online, you can use WeChat to pay and click on the payment directly.

If the bank card is not bound and the WeChat payment password has not been set, it is not necessary to verify the WeChat payment password when using change to pay. WeChat change is the user's fund in WeChat payment, and it supports functions such as recharging, cash withdrawal and payment.

Precautions for using bank cards

1. When entering passwords, be careful to cover them with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM machines, do not use them for safety reasons, and inform the bank immediately.

2. In order to prevent fake ATMs, customers should try to choose self-service banks with obvious signs and use ATMs under the video surveillance of banks.

3. It is best to store the bank card and ID card separately. Don't lend the bank card to others, and don't disclose the card number and password of the bank card at will.

4. When spending by credit card, don't leave the bank card out of sight. Pay attention to the number of times the cashier swipes the card. When you get the purchase slip and the card, check whether the amount on the purchase slip is correct and whether it is your own card.

5. Open SMS service, keep track of account changes at any time, and call the bank to report the loss once abnormal transactions are found.

6. If you suspect that the funds have been stolen, you should immediately call the customer service phone of the bank and report the loss of the bank card account in time.

Bank cards are divided into three types:

Class I accounts refer to accounts opened over the counter of traditional banks that meet all strict requirements in real-name registration system. Simply put, it is a savings card or a debit card in your hand. Its functions include deposit, purchase of wealth management products, withdrawal of cash, transfer, consumption and payment.

Class II households cannot deposit or withdraw cash or transfer money to unbound accounts, and the daily payment limit of such accounts is RMB 1,111. For example, credit cards are like this.

Class III households are mainly used for quick payment, such as flash payment and confidential payment. They can only handle small consumption and payment, and are not allowed to handle other businesses. The indoor balance does not exceed 1,111 yuan. Class II and III households have no physical cards. For Class II and Class III households, the main purpose is to effectively control the risk of customers' funds.

types of debit cards

debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A special card is a debit card used in a specific area and for special purposes (referring to uses other than department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.