Because the material conditions and environment are different, yes, this is the national conditions of the United States. There are more than 1 100 million people in the United States, and the total number of cards issued is about 500 million. It has been more than 60 years since the initial emergence and development of credit cards. It can be said that credit card transactions have been fully integrated into the daily life of Americans, and the completeness of system construction in all aspects has absolutely crushed China. In China,1300 million people, the total number of credit cards issued is about 50 million, only 30 years from 1985. The number of the middle class, the total amount and distribution of social wealth and the quality of the population of the two countries are also incomparable. For example, if you buy something on eBay a week late and ask for a refund, eBay will apologize and give you a refund, saying that the goods don't need to be returned, and ask the customer's forgiveness. If you dare to play like this in China, Taobao and JD.COM, hehe. Can I say it's the difference in customer quality? Few people cheat others, not none, but few. In short, do you dare to try one? The advantage of a complete system is the high cost of doing evil. Being blacklisted by the bank will affect your credit history and ensure that you will never stop traveling in 50 States.