Bank promotion of credit cards will indeed be of great benefit to the bank, but there are also many benefits to ordinary customers:

1. It saves the trouble of carrying cash. Credit card consumption avoids the trouble of paying cash for consumption in the past, and there is no need to worry about the danger of carrying too much cash with you. And it is very helpful when users have insufficient cash flow.

2 You can participate in various discounts. Many merchants have cooperated with banks. Consumers can enjoy discounts and other preferential activities when spending money at merchants by bringing their credit card from the corresponding bank.

3 consumption deduction points. When users use their credit cards to make purchases, they can often earn points. When a user's points reach a certain level, they can redeem gifts, including things and virtual items, in the points mall on the Credit Card Center website.

The credibility of 4 personal banks has been improved. When we need loans in our lives, banks attach great importance to your creditworthiness. If your credit card creditworthiness has always been very good, it will be very helpful for loans.

5 Online consumption is convenient and fast. Many online shopping malls or Taobao stores have opened credit card payment methods, which caters to consumers' preference for using credit cards for consumption.

6 Financial management and investment. Generally, the interest-free period of a credit card is about 55 days, which means that consumers do not have to pay any interest to the bank during this period after swiping the card to make a purchase. During this period, some families will use the funds on hand as working capital investment in other businesses. A place where you can manage your finances rationally.

If you want to apply for a credit card, you must understand that there are risks behind the benefits, and you must be cautious.