You need a bank account to use Wechat payments, it’s just much more convenient (and small shops don’t typically accept bank card payments). Credit cards are not

You need a bank account to use Wechat payments, it’s just much more convenient (and small shops don’t typically accept bank card payments). Credit cards are not very popular yet due to cultural norms around spending on credit, though heavily promoted by the banks. Trying to argue that the Chinese finance sector is undeveloped sounds a little uniformed, to tell you the truth...