说点得罪人的话： U 卡这行，90% 都是割韭菜的。 开卡收你一笔，月费收你一笔，充值再收你一笔，最后告诉你这不能用那不能用。 别家 U 卡：手续费藏着掖着，用着用着就扣没了 MiPay：官网写得明明白白，2%+2U，一分不多 别家 U 卡：说是全球通用，实际这不能用那不能用 MiPay：绑支付宝微信，直接消费，T+1 到账 选哪个，你自己判断。 Mipay下载链接： 官方中文客服群： To be blunt: 90% of the U-card industry is a scam. They charge you a fee to open the card, a monthly fee, another fee for topping up, and then tell you it can't be used for this or that. Other U-cards: Hidden fees that disappear over time. MiPay: Clearly states on the official website: 2% + 2U, no more. Other U-cards: Claim to be globally usable, but in reality, they can't be used for this or that. MiPay: Link to Alipay or WeChat, make purchases directly, T+1 settlement. Choose whichever you prefer. MiPay Download Link: Official Chinese Customer Service Group: