Nowadays, everyone is accustomed to using WeChat or Alipay to pay when making purchases. Less and less people use credit cards to pay. It seems that credit cards are no longer used by everyone. That is because credit cards are outdated. Already? In fact, this is not the case. Credit cards still play an important role in everyone's lives, but now there is no need to take out a credit card to swipe the card.

Credit cards are used less and less, mainly because credit cards have become a payment method on the backend of WeChat and Alipay. In the past, when we went to the store to buy things, we had to take out the credit card to swipe and enter the credit card. A password is required to complete the entire transaction, and now there are no credit card machines in the store, replaced by a collection code. Through technological development, WeChat and Alipay have combined the flow of funds in store transactions into QR codes. When we consume, we only need to use the payment functions of WeChat and Alipay to complete the entire transaction process.

During this transaction process, the credit card is actually still playing the payment function, but the credit card is not directly used for payment as before, but is hidden in the back end of the payment function of WeChat and Alipay. Many times, we The source of funds for consumption is credit cards. Credit cards are still the main source of funds in our consumption process. However, it seems that credit cards are used less and less. In fact, credit cards are still very important.

If we ask those business people who handle credit cards, they will probably say that it is getting more and more difficult to do credit card business now, and it is not as easy to do as before. In fact, this illustrates two problems. One is that currently Many people already have credit cards. Since the credit card limit is low, it can only cover some daily consumption purposes. Many people will not apply for too many credit cards. Furthermore, too many credit cards are difficult to manage and it is easy for credit cards to become overdue. Another is that some large Internet companies have launched micro-loan services, which are essentially similar to credit cards. This credit limit can be paid on many platforms, reducing everyone's dependence on credit cards.

All in all, credit cards are still a very important part of our lives. Judging from the current situation, nothing else can completely replace the functions of credit cards.