The direct benefits of using a credit card are:

1. Easy to use: the credit card is very convenient to use, and you can use the card to pay quickly with WeChat Alipay, which avoids the trouble of paying cash for consumption, and you don't have to worry about the danger of carrying too much cash with you.

2. Exclusive discount: Cardholders can hold credit cards and generally receive additional services, such as giving away insurance, exclusive airport access, etc. You can also participate in various preferential activities, such as ordering food at half price, watching movies for free, washing cars for free and so on.

3. Redemption of points: Credit cards can be swiped at cooperative merchants for consumption, so that consumption points can be accumulated. When the points meet the gift conditions, they are directly exchanged for goods. Even some banks can use the points to recharge their calling cards.