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书名：特朗普晒与普京合影|作者：笑无语|本书类别：古言|更新时间：02:05:41|字数：3896字

示。　　《办法》切断花呗、京东白条等互联网信用付的收银台入口，意外为持续收缩的信用卡业务送来政策东风。用户若想在线上场景实现先消费后还款，在合规路径上将主要依赖信用卡。据央行数据，信用卡和借贷合一卡发卡量已从2022年末的7.98亿张萎缩至2025年末的6.96亿张。　　然而，机遇背后亦有挑战。用户早已习惯花呗无感支付带来的便捷，信用卡能否真正接住这些用户，取决于银行能否在体验侧迅速补位。　　曾刚

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