First, it is convenient for daily consumption: credit card consumption avoids the trouble of paying cash in the past, and there is no need to worry about the danger of carrying too much cash with you. Users can spend first and then repay, which is very helpful in the case of insufficient capital turnover.

Second, credit card preferential activities: Many businesses have cooperation with banks. Consumers can take credit cards with them and enjoy discounts and other preferential activities. Customers can save money and get points, and the points accumulated in ordinary consumption can be exchanged for various daily necessities in different proportions.

Third, enhance personal credibility: personal credit information is gradually spreading to all aspects of life, from mobile phone bills to mortgage and car loans, and whether personal credit information records are good or not will have an impact. Using credit card is undoubtedly the most effective way to accumulate personal credit.

4. Role of interest-free period: The interest-free period of general credit cards is about 55 days, which means that consumers do not have to pay any interest to the bank during this period, but use the funds on hand as a turnover and invest in other places to obtain income.

5. Additional benefits: For example, platinum credit cards of banks can enjoy special treatment such as VIP at the airport, free driving and five-star hotels in addition to discounts on consumption and points.