handling credit cards can solve many urgent problems, and handling credit cards can greatly improve your quality of life. Using credit cards skillfully and turning spending money into something profitable is something that many people want to do, but not everyone can control their desire to buy well. So, what are the advantages and disadvantages of credit cards? What are the advantages and disadvantages of credit cards? Advantages: Applying for a credit card can make short-term capital turnover, relieve economic pressure, and meet your own purchase needs, such as cross-border consumption demand, online shopping consumption demand, installment consumption demand and preferential activities demand. Finally, it is to optimize the credit information for future loan demand. At present, the issuance of bank loans is mainly based on personal credit report, that is, it depends on personal borrowing and credit card use. Disadvantages will form the habit of blind consumption, excessive consumption will bring the pressure of repayment to cardholders, and it is easy to overdue if you don't pay attention. If you can't take care of your credit card, and you can't repay it as scheduled when the final repayment date arrives, the bank will charge high interest. Moreover, banks will charge high interest to banks. Summary: The introduction of credit cards does bring a lot of convenience to cardholders, but everything has two sides. Credit cards bring benefits and naturally have invisible disadvantages. Among them, the need to pay an extra annual fee is one of them, and there is also the risk that the credit card will be stolen.