Advantages of credit card
1. overdraft in advance. If you are short of money, have a large capital flow or need cash badly. I didn't have enough money at hand. I'm embarrassed to tell my friends and family. At this time, you can use the function of credit card overdraft. Credit card or cash withdrawal to solve the problem of burning coal. You can also avoid arrears.
2. It is convenient to travel. When the expressway toll station passes through the ETC channel, it can directly deduct money to avoid the parties. If the credit card is marked with "VISA" or "MasterCard", you can spend it directly abroad. And the savings card and cash need to be exchanged in advance. You can also book hotels, air tickets, taxis, etc. By credit card, some cards also offer discounts. Some credit cards have opened functions such as taking the subway and public transportation.
3. Repayment by installment. Sometimes you need a lot of money at a time. For example, buying large items such as home appliances and furniture feels great pressure. At this time, you can choose a credit card to repay in installments, so that you can enjoy what you want in advance. However, you need to bear certain interest.
4. save money. Many banks' credit cards have cooperation with merchants. For example, there are discounts for watching movies or eating. Now, for example, if you swipe your card, you will get a discount on how many days you can cash back in a week. In addition, credit card points can also be exchanged for some gifts in daily life, and some have lottery activities.
5. Accumulate personal credit records
More credit cards and timely repayment can improve the credit limit and credibility. Moreover, with your good credit record in the personal credit database of the bank, it will be much easier to approve loans to buy a house and a car.
6. Other conveniences
Some credit cards also provide free accident insurance, medical insurance, trailer and car wash. You can also enjoy the service of the VIP room in the bank or airport, and you can also exchange points for voyage and gasoline.