1. The credit card itself has many benefits:

(1) It saves you the trouble of carrying cash.

Credit card consumption avoids the trouble of paying cash for consumption in the past, and there is no need to worry about the danger of carrying too much cash with you. Users can consume first and then repay, which is helpful when users have insufficient funds.

(2) You can participate in various discount activities.

Many merchants have cooperated with banks. Consumers can enjoy discounts and other preferential activities when they use the credit card of the corresponding bank to spend at merchants. Customers can save money and earn points. Why not? This This is also the reason why many young people now like to use credit cards when going out to spend money.

(3) Consumption deduction points.

When users use credit cards to make purchases, they can often earn points. Each bank has different points conversion standards. Please ask the corresponding bank for details. When a user's points reach a certain level, they can redeem gifts, including things and virtual items, in the points mall on the Credit Card Center website.

2. Unreasonable credit cards may also cause the following problems:

(1) Irrational consumption.

Precisely because credit cards are very convenient and fast to use, they are not like banknotes that look painful to spend one after another. Some irrational consumers tend to consume blindly, spend money like water, and regret it when they finally repay.

(2) High interest.

Everyone knows that every bank's credit card has a repayment date. If the user fails to pay off the current balance before the final repayment date, he or she will need to pay the bank interest and late payment fees.