The main reason is that credit cards have a wider range of applications, and the usage limit of credit cards is significantly higher than that of Huabei Baitiao.

1. Credit cards cover a wider range of areas. In China, people may not have any concrete sense of credit card coverage. This is mainly because the promotion of QR code payment is very good. In many cities, QR codes can be used for payment as long as they can be scanned.

Currently, however, banks encourage users to bind their credit cards to Alipay, WeChat and other apps. Wherever you can pay with Huabei, you can also choose to pay with a credit card. So in terms of domestic coverage, credit card coverage is probably a little bit inferior.

However, the coverage of credit cards and flowers will be very different abroad. At present, QR code payment can only be used in certain occasions, such as airport duty-free shops, large shopping malls, large chain stores, etc. in some big cities. Its coverage is much smaller than that of a credit card. Credit cards are common in big cities like Tokyo and Paris, as well as smaller countries like Morocco and Georgia. As long as we can see the UnionPay logo, we can use the credit card. No matter which country we are in, as long as we have a credit card, we will naturally feel more at ease.

2. The credit card amount is relatively high. Under normal circumstances, it is good for the quota to be between 10,000 and 20,000 yuan. But for credit cards, 100 million is just the beginning, and around 100,000 is normal. Compared with Huabei, credit cards can help us when we encounter problems and need help.

In addition, some credit card amounts can be withdrawn. Although this feature may not be widely used in our daily lives, it is especially important when we travel and go on business trips.