U card users, have they really used credit cards? 😂 Although I don't overspend, Alipay and WeChat's priority payments are via credit card. After all, points earned in a year can be exchanged for quite a few things. For example, this year I exchanged 75,000 <招行> points for 150,000 Marriott points, which can roughly cover hotel stays worth around 6,000 yuan. Then usually there are hotel bookings with discounts of one or two hundred, and every time I buy something on JD or Taobao, I save a few or ten-plus yuan. Compared to U card charging me 1%+ handling fees for each transaction. More importantly, this is the credit limit given by the bank. For someone with a slightly decent credit history, raising the limit to several hundred thousand is not a problem. Of course, it's not very useful for me now, but for many people, using credit leverage to boost their career when they lack capital can be very helpful. (I do not encourage any loan-based cryptocurrency trading, but I support using loans for low-risk arbitrage investments) Of course, swiping the credit card feels great at the moment, but when it's time to repay, you'll wish you were in a crematorium. Last week I bought some furniture, and if I don't earn some money soon, I'll be bankrupt 😭😭😭 Who can help me make money? 😭

Bybit's card is invincible abroad. They have promotions from time to time. If you deposit some money, you can get 8% cash back. It's very tempting to earn 400U a month. If you live in China, the U card will definitely not be able to compete with credit cards. The advantage is that it is more convenient to withdraw money than looking for xxx 3% or 5%

If you spend frequently on your U card, for example, hundreds of transactions totaling tens of thousands of yuan in a month, won’t it be blocked?

Bybit gave me a daily spending limit of 13.5K, and a monthly spending limit of 27k (U). It's enough for me to live on. A friend said that it's not enough now that she has a sister. Bn's limit was blocked, but Bybit's limit is okay. I have no interest in it. Although I don't need it, I really like to get the cashback every month.

Why didn’t the application area get approved? I want to try. 😂

Have an overseas address and a physical card

Mainly use U card to open chatgpt membership, what is convenient