Credit cards must be available to most people, and they do bring a lot of convenience to people. However, some people are worried about the overdraft function of credit cards, afraid of taking on debts and avoiding credit cards. In fact, even white-collar workers with stable income need a credit card. Because it can not only bring convenience to your life, but also help to establish a good credit record.

What are the benefits of credit cards?

1. Overdraft consumption. As we all know, credit card has the basic function of overdraft consumption. Whether shopping in a supermarket or spending in a shopping mall, you can use a credit card to swipe your card. You don't need to carry cash with you and you don't need to make up the change.

2. Interest-free repayment. Credit cards have an interest-free period of 20 to 50 days. As long as the cardholder pays off the credit card bill on time before the final repayment date, there will be no additional expenses.

3. Cash in advance. In the case of tight funds and tight turnover, cardholders can withdraw cash through ATM machines or counters, and easily get thousands or even tens of thousands of cash without having to put down their bodies to ask for money.

4. Consumption points, paid by credit card, many consumption categories can accumulate points. Credit card points can be exchanged for various gifts, such as air miles, daily necessities and even RMB.

5. Protection of rights and interests. Cardholders can also enjoy travel security, supermarket refueling, exercise and fitness, free rescue, accident insurance and other rights and interests. The specific rights and interests depend on the type of credit card you apply for.

6. Microfinance (cash installment). At present, many banks have launched cash installment and micro-loan business for cardholders. As long as the credit card has a good record and a good credit status, it can generally be easily approved. Compared with bank consumer loans, it is much simpler and faster to apply for and lend money.

7. Bookkeeping function, the credit card will record every consumption in detail and summarize the consumption records of last month to form a bill. Friends who have bookkeeping habits no longer need extra bookkeeping.

8. Payment is safe and credit card is not guaranteed. If the credit card is accidentally lost and stolen, you can apply to the bank for card loss protection. Of course, as a cardholder, we should also pay more attention to password security.

9. Accumulate credit. As long as you keep using your card regularly and repay it on time, you can accumulate personal credit so that you can apply for a loan for buying a house and a car in the future.

To sum up, credit cards have many advantages and can bring a lot of convenience to our lives. Even if the income is stable, it is recommended to apply for one or two credit cards. Of course, credit card applications should not be too many, and 4~5 cards are appropriate. For friends who spend a lot of money, don't handle too many credit cards, so as not to get into debt because of excessive consumption.