Credit cards have many uses:

1. Help lazy people settle accounts. Cash every month. By the end of the month, when you think about it carefully, you often can't remember where it was used and how much it was used. The credit card will give you a bill every month with the name of the merchant, the date of consumption and the amount of consumption, which can help you remember the purpose of the funds.

Credit card can synchronize expenditure with income. For example, you get a salary of 5438+05 every June. You can synchronize your salary with your credit card bill. For example, your billing date is the 7th, and the 27th of each month is the repayment date. Then 15 salary can be used for repayment.

Many people think that credit card overdrafts should be paid back, but they can enjoy the interest-free period of the bank. Why give up this benefit? It was agreed to spend this month first and next month, so what's wrong with waiting for next month's salary?

Although many people disdain to overdraw, they think that the deposit in their savings card is enough for consumption. Even so, the credit card bill still reflects your consumption better than the balance of the savings card. If you are not a moonlight family, if the money on your savings card is far greater than your salary for several months, people with poor control ability will often brush it indiscriminately because there is too much money left on the savings card. However, credit cards are different. It has no money, and its balance is negative. It shows your overdraft limit this month. On the savings card, you often pay attention to how much money you have left, but you can directly know how much money you spent this month from the credit card, which is a good reminder, or at least give you a constraint.

Of course, for others, it is the benefit of temporary turnover. For example, suppose you don't have much cash around, but now someone is temporarily ill and needs five small numbers for surgery. Generally speaking, people who manage money for a long time don't leave much cash. If you have a credit card, you can swipe it out immediately, and then you can raise enough money in 50 days at the longest. For short-term operators, 50 days is already a lot of space.

Credit card is a trend. Nowadays, people buy things online, especially Haitao is becoming more and more fashionable, and they basically use credit cards for pre-authorization. If you book a travel route or room online, you need to use a credit card for pre-authorization even if Apple purchases app software. It's really inconvenient not to have a credit card with you.

What are the uses and functions of credit cards?

The role of credit cards:

It is convenient for people's lives and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.

Be able to participate in various preferential discount activities in cooperation between merchants and banks;

Credit card spending points can be exchanged for gifts;

Timely repayment after swiping the card improves the credibility of personal banks.

The purpose of the credit card:

1. Shopping consumption.

2. Microfinance.

Save money.

4. Shopping saves money.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Disadvantages of credit cards:

Credit cards don't cost a lot of money like paying cash. Credit card consumption tends to blur the cardholder's concept of money, leading to blind consumption.

If the cardholder fails to repay the loan on time, the bank will charge high interest;

Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses;

Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.

Credit card classification

(a) according to the different card issuers, it can be divided into bank cards and non-bank cards.

(1) bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

(2) Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

(2) According to different card issuers, it can be divided into corporate cards and personal cards.

(1) company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

(2) Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

(3) According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

(2) gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

(4) According to different payment methods, credit cards can be divided into debit cards and credit cards.

(1) credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". At present, most of the cards in circulation in the world are of this kind.

Credit card (2) debit card. It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

What's a credit card for?

Credit cards have long been a part of our daily economic life, so what is the use of credit cards? What is the difference between them and ordinary bank cards?

1. What is a credit card?

Credit card is a non-cash transaction payment method and a credit service provided by the banking industry. Banks or credit card companies will issue them to cardholders according to their credit and financial resources. Cardholders do not need to pay cash when using credit cards, but will make repayment on the billing date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

2. What's the difference between a credit card and an ordinary bank card?

1, credit cards can be overdrawn, and savings cards must deposit a certain amount before they can be consumed.

2. You can choose confidential payment when swiping the card, and you must enter the password for the savings card.

The money deposited in the credit card has no current interest, while the money in the savings card has current interest.

4. There is a handling fee for cash withdrawal by credit card, but no handling fee for cash withdrawal by savings card.

The annual fee of credit card is relatively high. Some bank savings cards have annual fees, and most banks are exempt from annual fees.

It is more difficult to apply for a credit card than a savings card. You need proof of income to apply for a credit card, but you can apply for a savings card as long as you have civil capacity.

Third, the history of credit card development.

The earliest credit payment appeared in Britain at the end of 19. In view of the fact that rich people bought expensive luxury goods but didn't bring so much money, the British clothing industry developed a credit system, which used record cards to get hot goods back as soon as possible when shopping. In 1950s, the first credit card for the public appeared. McNamara, a credit expert in Manhattan, USA, organized the Diners Club. After being allowed to become a member, he can take a food and beverage recharge card to 27 designated restaurants for consumption. This is the earliest credit card.

Since then, more and more partners have signed contracts, and the scope of services that can be temporarily overdrawn is also growing. People have also become accustomed to this convenient transaction form without carrying cash, which has promoted the arrival of bank credit cards. Franklin National Bank was the first bank to issue credit cards, and then the development of credit cards was standardized and eventually became a part of our daily life.

What is the function of credit card?

Advantages of credit card: it can suspend economic pressure; Online consumption is convenient and fast; You can accumulate personal credit records. Using a credit card and repaying the loan on time can increase the credit limit.

This can save money. Many banks' credit cards cooperate with merchants. For example, there will be cash back discounts for swiping cards, and there will be discounts for eating, watching movies, shopping in supermarkets, refueling and car washing. In addition, credit card points can be exchanged for some gifts in daily life and even some lottery activities, and points can be used as money.

Suspend economic pressure. Sometimes it is urgent to use money and pay a large amount of consumption at one time, which will have certain economic pressure. If you have a credit card, you can use it to pay in installments and enjoy your favorite items in advance. The money left in hand can also be used for daily expenses and turnover.

Online consumption is convenient and fast. Many online shopping malls or Taobao shops have opened credit card payment methods, catering to consumers' psychology of spending with credit cards. Although credit card online consumption has no points, its convenient and fast payment method is liked by many people.

Accumulate personal credit records. Even if there is no big turnover demand, it usually costs money. If you use more credit cards and repay on time, you can improve your credit limit and credit rating. You will have a good credit record in the personal credit database of the People's Bank of China, and it will be much easier to approve loans to buy a house and a car in the future.

What are the functions of credit cards?

The main functions of credit cards are as follows:

1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Timely repayment after swiping the card will enhance the credibility of personal banks.

Credit card payment is a very common way in modern society. With the appearance of credit card, it has brought us many conveniences. In fact, credit card, also called debit card, is a non-cash transaction payment method and a simple credit service. Generally speaking, everyone has two or three credit cards. On the one hand, they can deal with difficult situations in time, and on the other hand, they can make their consumption more convenient.

Fundamentally speaking, credit cards and loans are similar in nature. It belongs to loan consumption, and the credit line is equivalent to your loan line. The difference is that the interest-free period of credit cards is up to 50 days, and there is no need to repay any interest during the interest-free period. It is precisely because of this benefit that many users are attracted to apply for credit cards.

1, safer than cash

I used to take a lot of cash with me every time I went out. On the one hand, it is not safe to put it on me, and it is easy to lose it. But with a credit card, it's different. Credit card is directly used when spending, which saves the trouble of carrying cash and is not easy to lose. Even if it is stolen or lost, it can be reported as soon as possible, which is safer than carrying a lot of cash with you.

2. There are often preferential activities.

Many banks' credit cards will cooperate with merchants, and credit cards will enjoy discounts or other concessions. This is equivalent to saving you money. If you use credit cards frequently, you can also accumulate points. You know, credit card points still have many benefits. Usually, you can also exchange some small daily gifts or participate in some lucky draws.

3. Personal credit record is good.

Frequent use of credit cards, timely repayment, without any overdue, can increase your credit limit and improve your credit. In this way, it will be much easier to get a loan to buy a house and a car in the future, and the amount will be relatively higher than others.

The introduction about the function of credit card and the function and harm of credit card ends here. I wonder if you found the information you need from it?