Benefits of credit card: 1. When you go shopping, if you don't have a credit card, you may have spent all your cash and haven't checked out yet, which will be embarrassing.

2. Sometimes you need a lot of cash to buy things or do business, and you can't get it for a while, so ICT cards come in handy.

As a college student, it is convenient to use a credit card when you need money to study abroad, such as paying tuition or living expenses or inviting friends to dinner.

Disadvantages: Some criminals may use various channels to steal other people's money, such as theft, robbery and technical fraud.

But after all, what I want to say is: only pay, you will get something, don't be lazy.