舍弃信用卡选择花呗是对是错！网友道出的"三字"评价,实在是高！
如今支付宝已经遍布中国，作为国内移动支付的"领头羊"，为了提高用户的使用率，支付宝可是花了不少的心思。花呗红包，余额宝红包以及体验金等，这些活动的推出得到了大家的认可，达到了支付宝人人必备的目的。
不仅如此，支付宝也因它的活动吸引了一批新的用户进来。当然支付宝发展的两大功臣的功劳是功不可没的，花呗和借呗。大家都熟知花呗就相当于银行的信用卡，可以提前消费。然而借呗就好比银行的贷款，能够随借随还。马云真是厉害啊，无形的把支付宝发展成了“银行”。
花呗借呗还是得到了广大人民的青睐，特别是现代年轻人。有很多人经常会拿信用卡和花呗做对比，有的人说花呗好，也有的人却觉得信用卡更方便，每个人的观点都不同，但是有相关的数据统计表明，在20-30岁的消费人群中，花呗的使用率远远高于信用卡的使用率。这又是什么原因呢？
其实原因总结出来有几点：
第一，信用卡的申请比较繁琐，不像花呗那般，凭借芝麻分550以上就有机会开通。
第二，很多人觉得花呗的安全系数会更高一些，不像信用卡会出现被盗刷的风险。
第三，信用卡如果是逾期了，那就会严重影响到个人征信，而且容错期一般都只有2-3天时间，而花呗则不同，容错期更长一些。就算是超出了期限，正常情况下，只要不是恶意拖欠，都不会被记录在征信之中。而信用卡不同，只要过了容错期，征信就会留下灰色一笔。
然而有位网友的回答真是简洁明了，三个字：我年轻。
在小编看来，花呗和信用卡各有各的优势，虽然花呗的逾期基本不会记录在征信内的，但是也会影响一个大数据的判定，现在是互联网信息时代，大数据都是共享的。
目前年轻人使用花呗借呗的频率是越来越高了，有些人经常会在网上攀比炫耀花呗借呗额度等等，有些人600多分就拥有超高的花呗和借呗额度，有些用户700多甚至接近800都没有花呗借呗支持，花呗借呗的额度判定一方面和自身支付宝的使用率以及消费额度相关，另一方面则是需要参考大数据信息。
毕竟花呗借呗始终还是属于信贷产品，审核也会变得更加严格一些，数据风险高，花呗借呗不提额或被关闭也是正常现象，所以大家也不必抱怨什么！
对于花呗和信用卡，不知大家更青睐于哪种产品呢？欢迎小伙伴们抒发自己的观点！
{"weixin":{"label":"微信","name":"weixin","selected":true,"value":true,"sortid":"1","shareid":"weixin","sharetitle":"分享到微信","event":"shareToWeiXin","lang":"shareWeb_WeiXin"},"copy":{"label":"复制网址","name":"copy","selected":true,"value":true,"sortid":"2","shareid":"copy","sharetitle":"复制网址","event":"copy_url","lang":"shareWeb_Copy"},"qq":{"label":"QQ好友","name":"qq","selected":true,"value":false,"sortid":"1","shareid":"qq","sharetitle":"分享到QQ","event":"shareToQQ","lang":"shareWeb_QQ"},"sina_weibo":{"label":"新浪微博","name":"sina_weibo","selected":true,"value":true,"sortid":"4","shareid":"sina_weibo","sharetitle":"分享到新浪微博","event":"shareToSinaWB","lang":"shareWeb_SinaWeiBo"},"qq_zone":{"label":"QQ空间","name":"qq_zone","selected":true,"value":true,"sortid":"5","shareid":"qq_zone","sharetitle":"分享到QQ空间","event":"shareToQzone","lang":"shareWeb_QQZone"},"renren":{"label":"人人网","name":"renren","selected":true,"value":true,"sortid":"7","shareid":"renren","sharetitle":"分享到人人网","event":"shareToRenren","lang":"shareWeb_RenRen"},"douban":{"label":"豆瓣网","name":"douban","selected":true,"value":true,"sortid":"8","shareid":"douban","sharetitle":"分享到豆瓣网","event":"shareToDouban","lang":"shareWeb_DouBan"},"baidu_tieba":{"label":"百度贴吧","name":"baidu_tieba","selected":true,"value":true,"sortid":"10","shareid":"baidu_tieba","sharetitle":"分享到百度贴吧","event":"shareToTieba","lang":"shareWeb_TieBa"},"Facebook":{"label":"Facebook","name":"Facebook","selected":true,"value":true,"sortid":"11","shareid":"Facebook","sharetitle":"分享到FaceBook","event":"shareToFacebook","lang":"shareWeb_Facebook"},"Twitter":{"label":"Twitter","name":"Twitter","selected":true,"value":true,"sortid":"12","shareid":"Twitter","sharetitle":"分享到Twitter","event":"shareToTwitter","lang":"shareWeb_Twitter"},"LinkedIn":{"label":"LinkedIn","name":"LinkedIn","selected":true,"value":true,"sortid":"13","shareid":"LinkedIn","sharetitle":"分享到linkedIn","event":"shareToLinkedin","lang":"shareWeb_Linkedin"},"whatsapp":{"label":"whatsapp","name":"whatsapp","selected":true,"value":true,"sortid":"15","shareid":"whatsapp","sharetitle":"分享到whatsapp","event":"shareToWhatsapp","lang":"shareWeb_whatsapp"},"line":{"label":"line","name":"line","selected":true,"value":true,"sortid":"15","shareid":"line","sharetitle":"分享到line","event":"shareToLine","lang":"shareWeb_line"},"qq_weibo":{"label":"腾讯微博","name":"qq_weibo","selected":true,"value":true,"sortid":"3","shareid":"qq_weibo","sharetitle":"分享到腾讯微博","event":"shareToQQwb","lang":"shareWeb_QQWeiBo"},"peopleBlog":{"label":"人民微博","name":"propleBlog","selected":true,"value":true,"sortid":"14","shareid":"propleBlog","sharetitle":"分享到人民微博","event":"shareToPeopleBlog","lang":"shareWeb_peopleBlog"}}
