In modern society, many young people apply for credit cards. Of course, credit cards have advantages and disadvantages, and we need to use them reasonably.

The advantage is: easy to use. As the saying goes, "A penny beats a hero." When you are short of money but embarrassed to borrow money from relatives and friends, a credit card is a good choice. Things can be used as you go, you don’t have to borrow money and favors, you can repay according to the repayment date, there is not much pressure.

The disadvantage is: it is easy to develop overdraft consumption. Many young people feel that they are not using their own money when swiping their credit cards. They feel happy when they swipe their cards and the repayment date is in the crematorium. It's okay to be able to afford it, but if you can't afford it in the future, it will also affect the bank's credibility, which will have an impact on major events such as getting a loan to buy a house in the future.

Rationally operate your credit card, be optimistic about its two sides, and use it reasonably.