He didn't even have a -- he doesn't even have a credit card, but he used the credit system by AliPay.

他甚至连一张信用卡都没有，他用的是支付宝的信用系统。

There's another humbug—the credit system—humbug, sir;no credit—no debt.

还有另一个骗局——信用系统——骗局，先生；没有信用——没有债务。