为什么用信用卡？这个问题涉及到许多不同的原因，下面我们来一一解析。

首先，使用信用卡可以方便快捷地进行支付。与携带大量现金相比，信用卡无疑更加便利。在进行购物、旅行或参加活动时，只需一刷即可完成支付，省去了繁琐的找零和携带大量现金的麻烦。英文翻译为: Why use a credit card? This question involves many different reasons. Let's analyze them one by one.

Firstly, using a credit card can facilitate quick and convenient payment. Compared with carrying a large amount of cash, a credit card is undoubtedly more convenient. When shopping, traveling, or participating in activities, you can complete the payment with just one swipe, saving the trouble of dealing with change and carrying a lot of cash.

其次，信用卡提供了额外的保障和保险。如果购买的商品有问题，可以联系银行进行退款或赔偿。此外，信用卡还提供了一定的意外保险，例如航班延误、行李丢失等情况，可以获得相应的赔偿。英文翻译为: Secondly, credit cards provide additional security and insurance. If there is a problem with the purchased goods, you can contact the bank for a refund or compensation. In addition, credit cards also provide certain accident insurance, such as flight delay, lost luggage, etc., and can obtain corresponding compensation.

最后，使用信用卡可以积累积分和优惠券，享受更多的折扣和特权。许多信用卡提供积分奖励计划，使用积分可以兑换商品、服务或航空里程等。此外，信用卡还提供各种优惠券和折扣券，可以在购物、娱乐等方面享受更多折扣和特权。英文翻译为: Finally, using credit cards can accumulate points and coupons to enjoy more discounts and privileges. Many credit cards offer points reward programs, where points can be redeemed for merchandise, services, or airline miles, etc. In addition, credit cards also provide various coupons and discount coupons that can be used to enjoy more discounts and privileges in shopping, entertainment and other aspects.