[4.1 开卡](%E5%BC%80%E5%8D%A1.md) [4.2 消费](4.2%20%E6%B6%88%E8%B4%B9.md) [4.3 充值](4.3%20%E5%85%85%E5%80%BC.md) [4.4 退卡](4.4%20%E9%80%80%E5%8D%A1.md) [4.5 物品](%E5%8D%A1%E6%93%8D%E4%BD%9C-%E7%89%A9%E5%93%81.md)