Why use a credit card compared low ratio and the United States, Japan, and higher ratio of cash?

You ever think, when there is no t/t, the computer era of non-cash payment is what kind of way, the answer is the cheque.Credit card originally is not a bank, he can be traced back to the earliest large department stores and some shops membership card, the United States have long credit payment history, the general habit is a member of the store to more familiar with credit, send the bill to the customer, at the end of the customer to send the cheque to merchants, the merchants with a cheque to the bank to cash, convenient, and improve customer loyalty.Then, adopt credit + billing system, more and more businessmen, seize the opportunity, and have bank issued a special third party credit card, in order to resolve the individual users need to send all merchants to separate checks complex work, credit card granddaddy diners club was born.

Several credit card form, rooted in the American history background: 1, the long history of credit consumption and commercial credit system.2, bills + check means of settlement.3, developed retail banking business.
Japan is not have the condition of the above, so you cannot spontaneously credit card this business model, he is a complete import.

Same argument can be applied to machine, the somebody else's family household use machine, has never been popularized in China, because Chinese people s widespread use telephone, for almost half a century later than us.When Chinese people haven't started to use voice mail as a means of information transmission, the era of mobile phone is arrived.