Here are the steps to use Apple Pay to send money to someone with a credit card:
Link a supported credit card to your Apple Pay account.
Open the Messages app on your iPhone or iPad.
Start a new conversation with the person you want to send money to.
Tap on the Apple Pay icon in the message box.
Enter the amount you want to send and confirm the payment.
Choose the credit card you want to use for the payment.
Review the payment details and confirm the transaction.
The person you sent money to will receive the payment in their Apple Pay Cash account.
Some credit card companies may consider this, as a cash advance and charge higher interest rates, so check your credit card issuer’s terms and conditions to avoid unexpected fees.