The advantage is that consumption is more convenient. You don't need to bring cash to supermarkets and shopping malls, or you don't have enough cash. You can swipe your card for the rest.

Disadvantages correspond to benefits. With a credit card, you always want to spend. If you don't swipe your card, you have to pay an annual fee to arouse your desire for consumption. Usually feel expensive or not enough money. Either you have more extra money than when you don't have a card, or you have increased financial pressure, because the price of some things is beyond your ability to accept, but with a credit card, you buy it, but you still have to pay it back, making life difficult.