Physical cards are good, according to the query on Xicai.com:

1. Easy to use: Electronic credit cards must be swiped with mobile payment tools, while physical cards do not need to be swiped with other tools. Tools are more convenient.

2. Convenient debt repayment: Electronic credit cards can only be repaid online, while physical cards can be transferred and repaid online. You can also insert the card in an ATM machine to deposit money and repay.