Huabei and the credit card itself are two completely different levels of consumption. Huabei is very convenient for our daily life. For example, many merchants now support Alipay QR code payment, and as long as it is a merchant code, you can use Huabei when paying. Previously, Huabei was only limited to Taobao payments. Because we shop online when paying on Taobao, if you can pay with Alipay, many young people will choose to use Huabei.

And now it has become popular among young people to spend money on it basically every month. But with a credit card, you can go to various big-name luxury brand stores. Generally speaking, credit cards can be used in any store. As long as the store has a POS machine, you can pay with a credit card. In terms of convenience of use, Huabei and credit cards are two completely different levels. For college students and today's young people, Huabei is actually more convenient. Because basically all small retail stores now use QR codes for payment, it is more convenient to use Huabei when paying.

But if you use a credit card, you need to swipe it. For young people, they rarely go to some large stores or brand stores to pay with credit cards. Basically, they go to some light luxuries or some Retail stores, so using Huabei is more convenient for young people than credit cards, but if you are white-collar workers, if you are office workers, credit cards are more convenient than Huabei. Because credit cards can be used in any large brand store, including some high-consumption places, using Huabei is not enough at all. In terms of ease of use, both are actually about the same. It's just that one requires taking out the card to press the password, and the other requires one's own mobile phone to scan the QR code, so they are two different concepts. Personally, I think Huabei and credit cards are not comparable. Therefore, Huabei and credit cards have different comparisons for different levels of consumption. There is no way to compare the two aspects from the outset.

But Huabei is a credit card that basically everyone can use. You can only apply at the bank after meeting certain conditions.