1. Less debt. If you need cash badly, you will be embarrassed to ask if you borrowed it from friends and relatives. You can overdraw your credit card at this time.

2. Relatively safe, try to swipe your card and bring less cash.

3. To ease the economic pressure, credit cards can be paid in installments and enjoy the favorite items in advance.

Disadvantages of credit cards:

1. It is easy to spend blindly, and there is no feeling when swiping a credit card, so it will lead to blind consumption and spending money like water.

2. The interest rate is very high. If you can't take care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge higher interest.

3. It is easy to be brushed. Credit cards are basically swiped by default without password, which is easy to be swiped by others when lost or stolen, causing unnecessary trouble or loss.

Credit cards should be used reasonably according to their actual situation. As long as you can abide by the discipline of using credit cards, you can enjoy more benefits.