The advantage of a credit card is that you can overdraw your spending. You can enjoy the convenience of installment, and you can pay it back slowly in installments after large consumption. Convenient travel and enjoy preferential treatment. At present, there are many kinds of credit cards, some of which have the function of taking the subway bus, some of which have discounts for booking air tickets and some of which are convenient for changing foreign exchange abroad. Generally, credit cards are used for redemption of points, and points can be purchased in the bank of integral mall. There are advantages and disadvantages to getting a credit card. His disadvantage is that you will receive credit information after you apply for a credit card. Once the credit card is overdue, there will be overdue records on the credit information, which will affect the credit. Also, if the credit card is stolen by others, it is easy to be stolen and cause losses to yourself. Then make your consumption irrational. If you use a credit card, you don't have to pay it back immediately, but next month, which will easily lead to blind consumption. Therefore, whether you need to apply for a credit card depends on your actual situation.