I use hands to eat.
In English, we use the English structure"Do an action by using ..." For example:
I eat it with hands.
We go there by bus.
You pay it with a credit card.
In Mandarin, we will use the mandarin structure"Use .... to do an action". The correct mandarin way to say the example sentences:
I use hands to eat (it).
We take bus to go there.
You use credit card to pay (it).
Here is a mistake of a student.He wrote:

Can I pay by credit card?
Wǒ kěyǐ zhīfù yòng xìnyòngkǎ?
我可以支付用信用卡?
The correct sentence : Can I use credit card pay?
Wǒ kěyǐ yòng xìnyòngkǎ zhīfù ma?
我可以用信用卡支付吗?