No.

At least not in the foreseeable future. The flower-like products launched by various Internet companies are aimed at consumers in their own ecological circles in advance. The barrier between them can't be opened, so how can they compete with credit cards on the same platform? In addition, as a traditional credit product, credit card has its advantages. For example, credit card repayment cycle is long, which is beyond the reach of online products. Credit cards have various rights and interests, and some attractive activities of offline and offline credit card consumption discounts will be more or less launched in the city where we live. As the saying goes, professional things still need professional people to do. Our income is paid by the bank, and we often use the bank's credit card, which is good for our future large loans and mortgages.

No.

Having said so much about the benefits and advantages of credit cards, it doesn't mean that who will definitely replace who, each has its own advantages, does not share quotas with each other, and does not charge for online products. Why not give the quota for nothing?

You can have both.

It's not good to have a discount on any payment method.

You can have both.