Compared with their predecessors who took the "saving and consumption" route, today's young people no longer simply save money first and then spend it. Huabei is a product most used by young people today. According to a survey, more than 80% of Huabei’s active users are born in the 1980s and 1990s, and 40% of active users are born in the 1990s. And 60% of the Ant Huabei people are women.

First, you can enjoy more discounts by using a credit card. For example, you can get discounts on meals, book air tickets, hotels, and watch movies using your credit card. Different banks will organize activities with different merchants. And when you use a credit card, you get points. Once the points reach a certain level, you can use them for air tickets, hotels and other services.

The second coverage is wider. When it comes to coverage issues, you may not feel it at ordinary times, but as long as you go abroad, you will definitely have this experience. The commonly used QR code payment smart phone is used in larger and more developed duty-free shops and supermarkets. Credit cards can be used at any time in cities large and small around the world. Whenever you see UnionPay, it means you can use credit cards.

If you use your third credit card well, your personal credit score will naturally be high. Friends who have ever taken loans to buy cars or houses must have this experience. The first thing a bank should do if you want a loan is to review your personal credit record. If you use a credit card and have a good usage record, applying for the same loan will be much more efficient than someone without a credit card record.

Finally, the most important point is that the lender of the credit card is the bank, while the lender of Baitiao and Huabei is the small loan company (not JD.com, Ant!) Do you all know this? ?