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？