直接刷还是绑定刷，信用卡绑定微信支付宝后再消费有哪些利弊
随着移动支付的普及，很多人喜欢把银行卡或信用卡绑定在微信和支付宝上，在消费的时候直接扫码支付，相当方便，那么直接刷信用卡和绑定后支付有什么区别呢？便利程度
对于信用卡来说，两者最大区别在于微信支付宝消费属于网上消费，直接刷卡消费属于实体消费。支付宝微信已经走进了大众生活，现在小到街边餐馆，大到专卖店，微信支付宝都能付款，使用微信支付宝消费更便捷。但是，有利就会有弊，大家使用信用卡无非就是为了提额、享受各种优惠、缓解资金紧张。在这里，并不建议信用卡过分使用网上消费，而忽略了实体消费。
能否享受消费积分优惠福利
支付宝绑定信用卡消费的话，一般都会算作网络交易，而大多数银行对于积分累积的规定是网络交易不计积分。不过，一些和支付宝有合作的银行，或者是一些联名信用卡，比如淘宝联名卡、京东联名卡、航空联名卡等等，此类卡片绑定了支付宝后进行消费也是可以累加积分的。除了信用卡积分外，支付宝或者微信支付也有自己的积分，通过支付宝或者微信支付产生的积分能够提升APP内的会员等级，深度用户可能会比较在意其会员等级的。
直接刷卡相较于支付宝绑定信用卡消费而言，获得的积分要多一些。为鼓励使用信用卡刷卡，有的银行线下刷卡还能多倍积分，而且力度还不小。
不同的支付限额和安全保障
你可能不知道，银行对信用卡通过第三方进行网上支付是有限额的，一般大额的消费是无法支付的，必须通过刷卡支付。当然每个银行每个人的限额标准有区别。
额外费用
信用卡直接刷卡，一般其刷卡的手续费由商户来承担，微信或者支付宝刷卡的线下支付一般也由商户承担，但是在淘宝购物等线上渠道，部分手续费会由持卡人自行承担，网购的时候可以注意一下。
要注意的一点是，使用微信和支付宝的话我们要记住，微信和支付宝每个软件能捆绑10张信用卡。并且支付宝和微信平台为防有人利用扫码进行信用卡套现，也对通过信用卡付款进行了限制。
一个合理的做法是，如果100以下的小额支付，图方便的话可用微信或支付宝。如果是大额，想把信用卡提额或累加积分的话，还是直接刷卡，安全可靠。
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