Advantages of a credit card: Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time. You don't need a deposit to overdraw your consumption. It's not only safe and convenient to swipe your card when shopping, but also a bonus gift. Special merchants who hold cards in banks can enjoy discounts.

Disadvantages of credit card: The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit card is to make money. Once the interest-free repayment time is exceeded, it will charge high interest, usually five ten thousandths of the daily interest. Develop the habit of blind consumption, leading to blind consumption and spending money like running water.

if the repayment cannot be made on time, the bank will charge high interest. Long-term malicious arrears will naturally affect personal credit records and even be blacklisted by banks.