为什么要办信用卡？这个问题涉及到许多方面，以下是基于这个问题的解析以及英文翻译对照：

首先，信用卡是一种方便的支付工具。与现金和支票相比，信用卡可以更快速、更安全地进行交易。此外，信用卡还具有额外的支付保护，如购买保险和退货服务，这在某些情况下可以为消费者提供更多的保障。英文翻译为: Why get a credit card? This question involves many aspects. The following are the reasons and their English translations:

Firstly, a credit card is a convenient payment tool. Compared to cash and checks, a credit card can conduct transactions more quickly and securely. Additionally, credit cards also provide additional payment protection, such as insurance and return services, which can provide more protection for consumers in some cases.

其次，信用卡可以建立个人信用记录。拥有信用卡并按时还款可以证明一个人的信用可靠，这对未来获得贷款或租房等需要信用记录的事情很有帮助。英文翻译为: Secondly, a credit card can establish a personal credit record. Having a credit card and making timely payments can prove that a person has a reliable credit and is helpful for future tasks that require credit records, such as applying for loans or renting.

最后，信用卡还提供了一些额外的奖励和优惠。许多信用卡提供积分、现金返还和旅行奖励等优惠，这可以使购物和旅行变得更加经济实惠。英文翻译为: Finally, credit cards also provide some additional rewards and benefits. Many credit cards offer discounts, cashback, and travel rewards, which can make shopping and traveling more cost-effective.