Flowers and credit cards are competitive. Ma Yun wanted to subvert the era of credit cards, so he created a flower bud, which was also welcomed by most young people. After all, you can pay for confirmation on your mobile phone, but young people nowadays can't live without your mobile phone. Credit cards and flower buds have the same function. As long as you spend money but don't pay it back, your credit will definitely be affected.

Since the two are competitive, if one party has preferential policies, it will definitely attract a large number of customers to choose, then the other party will definitely not sit still and adjust the corresponding policies, but I think the future will definitely be Alipay's world, and I think credit cards may be replaced by flowers, because the Internet is becoming more and more developed, and now society has gradually integrated with the Internet.

Moreover, the amount of flowers on Alipay will increase with the timely repayment and the improvement of credit, just like I am now. Originally, my flower garden quota was only 1000 yuan, but with my timely repayment, the flower garden increased my quota to 2000 yuan, and the QR code can be used in many shops in most cities across the country, as long as it can be paid by scanning the code.

Now banks also encourage users to bind their credit cards to Alipay or WeChat, and they can use credit cards wherever they can use flower beds. The most important influence of credit card use is credit history. The impact of credit records involves car loans, mortgages and so on. Compared with a person who has never had a credit record, good credit can make loan payment faster, which is also the unique value of credit card.