The best currently used U card, EtherFi's 2% SCR+3% ETHFI, totaling 5% cashback, has hidden terms: The additional 3% needs to be deposited in liquidUSD/weETH to access. Only by storing 100U of assets can 100U be returned, and so on. If you find it troublesome, you can switch everything to liquidUSD to open collateral consumption. Sell and return USDC to LTV soon.