First of all, the 6.5% discount is indeed more favorable than the common 50% discount and 40% discount on the market. If you are a bank card holder of Industrial Bank, and you do have some large expenses that need to be completed in a short time, you may get some benefits by using a 6.5% discount on Industrial Bank credit card.
However, if your consumption habits can't support large consumption, or you just want to use a credit card for sporadic consumption, then it may not be worthwhile to use a 6.5% discount. In addition, the credit card benefits of Industrial Bank are not only preferential, but also points, cash back and special air tickets. If you only consider the discount and ignore other benefits when choosing a credit card, your actual income may be worse than other credit cards.
Therefore, I suggest that when you choose a credit card, you should consider various factors comprehensively according to your actual consumption and personal needs and choose the credit card that suits you best. In addition, when using any credit card, we should pay attention to rational use and not over-consume, so as not to cause unnecessary burden.