今天女友打电话给我显得很急,原来是在用支付宝给信用卡还款时出现了些问题。问题是这样的:
今天她在用支付宝给交通银行信用卡还款时,由于支付宝没有余额(大部分的人都不会在支付宝留有余额的),所以采用与之绑定的支付宝卡通,但是由于这次需要还款的额度比较高,已经超出了支付宝卡通每日最高支付额度,于是她就采用了网上银行支付,选择的是招商银行,在弹出的支付界面默认恰好是信用卡的支付而不是专业版的支付。
她想难道可以用信用卡给另一张信用卡还款?否则不应该弹出的是信用卡的支付页面,如果真是这样的话那不就可以套现了吗?尽管她不是因为要套现,但是由于好奇使她选择了信用卡付款,即用招商银行信用卡通过支付宝给交通银行信用卡还款。
操作很顺利,只是在最后一步提醒不能用信用卡给另外信用卡支付还款,所以支付结果失败,而支付宝的钱被锁定,看到锁定的钱,她倒不着急,反正钱还在,估计还会退回去的。所以又继续用一卡通网银支付,等支付成功后,发现被锁定的那份钱不见了,回到信用卡查询并没有返还,一着急就给我打电话了(因为是我推荐她用支付宝或财付通还款的)。
我知道这肯定不会有问题,因为这种东西是不容许有漏洞的。但是为了能让她安心,我登录她的支付宝,到“我的支付宝”页签下的“我的账户”项,发现在其账户信息中有一笔冻结资金,刚好是还款的金额,而且在“账户明细查询”中都清楚的记录了这些操作,同时我还打电话给支付宝客服,确认在两到三天会退回到招商信用卡的,这是算是解决了。
不过女友还是抱怨支付宝应该在支付前就提示不能用信用卡的钱给另一张信用卡支付,而且在操作前就不允许操作,而支付宝没有这么做是因为人家把钱充给它,它就可以运作这些钱了。
其实不是这样的,因为在支付宝所能控制的是选择支付方式,当选定支付方式并已进入对应银行的登录界面就不是支付宝所能控制的了,而是所在银行控制,支付宝能控制的是当充值成功后,对其充值来源判断并做处理。所以建议任何时候不要有投机心理,竟然人家明确规定不能这样套现支付,那么就是不能。

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