Credit cards have generally become a must-have for modern consumers, and their benefits are undoubted. They can relieve financial pressure and solve emergencies. Although there are many benefits, there are also disadvantages to credit cards.

The advantage of a credit card is that it can solve current financial difficulties, or make a splurge to satisfy your own vanity, but it will be more embarrassing when repaying the money later. Credit cards are much more convenient than cash, but now With the popularity of mobile phones, this advantage is no longer a big deal.

The disadvantages of credit cards are relatively big: as you can tell from the name of the credit card, it is based on credit. If the money from last month is not paid off this month, it will be overdue. Once it is overdue, then It will be recorded in the integrity file and classified as a dishonest person. It will be difficult for such people to apply for loans in the future, or they will not be granted loans at all. Some will also be restricted from taking high-speed trains and airplanes, which will bring great harm to the bank. trouble.

Frequent use of credit cards will give people the illusion that they have a lot of money, and they will blindly swipe cards without the concept of consumption, which will eventually lead to more and more debts. This is the same as Huabei. If you don’t use it urgently, It is best not to use it, otherwise it will be very troublesome if problems arise.

The biggest problem with credit cards is that some people use credit cards without passwords. Once lost, it will be very troublesome. Some scammers have observed in some luxury places that if someone swipes the card without a password, it may They become their target. Once a credit card is stolen, they will spend it or cash it out in a short time. By the time the owner reports the loss, it may be too late. The monthly repayment is a troublesome time. When you owe a lot of money, you will receive some calls asking you to repay in installments. This actually earns you service fees and installment fees. If If you don't agree, they may continue to fight, which is more annoying.

My personal suggestion is that if you don’t have the ability to repay, don’t apply for a credit card. Using tomorrow’s money to fulfill today’s dreams is not a long-term solution.