去银行办信用卡，对年轻人来说已经过时了。据央行数据，信用卡全行业发卡量季度环比增速从2017年四季度的6.51%，一路下跌到2020年四季度的0.63%。相对于互联网消费金融产品，信用卡的可接触度、可获取度和便捷度，在年轻人面前都不具备优势。在美版知乎Quora上，美国网友提问道：中国已经是世界第二大经济强国了，为什么信用卡反而并不流行也不受欢迎？这个问题引起海外网友的热烈讨论，我们看看他们的看法。
问题
海外金融专家亚当菲亚德的回答
In the early period (that is, from the end of the 1990s to around 2012-13), the main reason why credit cards were not popular in China was due to the slow promotion of credit cards. Especially in the early period, coupled with the relatively late development of China, there was little concept of advanced consumption.
早期（即20世纪90年代末至2012-13年左右），信用卡在中国不受欢迎的主要原因主要与信用卡推广得非常缓慢有关，尤其是在早期，再加上中国发展地相对较晚，人们还少有超前消费的概念。
In the past five years, credit card is still a niche payment method in China. Now, credit card has been surpassed by the next-generation payment platform, which is a world with customers as the core and modern digital and mobile as the center. In contrast, the core of today&39;s credit card market has just developed for 15 years, and the market is still growing.
诚然，就人均卡而言，中国人的信用卡比英国人少得多。但请记住，英国在金融方面非常成熟，在发展信用卡市场方面有着更长的历史。此外，英国人比中国人富裕得多。中国信用卡市场刚刚发展了15年，市场仍在增长。