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请教一下各位嘟友 信用卡有没有必要办呀 我现在每个月还用着花呗 想着会不会用卡替代花呗会好一点

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@henryleo 信用卡国际通用,在海外消费也能用上。万一逾期,信用卡的利息通常也低于花呗。信用卡常有返现等优惠,可以查询玩卡信息的汇总文章以及自媒体账号。

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