Benefits:

1. You can spend first and then repay. Usually, if the calculation is reasonable, the interest-free repayment period can reach more than 5 days. This is beneficial to the cash flow and management in hand.

2. You can buy things by installments and reduce the pressure of buying a one-time payment. For example, if you buy a 5, computer, it can be divided into 12 months. In this way, you only need to pay more than 4 yuan a month.

Disadvantages:

1. Security. Generally, once the international payment service is opened, the credit card of VISA or Master can be paid without a user name and password. Therefore, once the credit card is lost or the information is leaked, the consequences are unimaginable.

2. Credit crisis. If you buy something with a credit card and forget to repay it on the repayment date, A few times, I'm sorry I was blacklisted. In the future, it will be restricted to buy a house and a car to get a loan.

3. Installment payment is not necessarily cheap. Generally, the installment payment of banks is in their own online shopping malls, and the price is generally higher than that of mainstream e-commerce. Even if they cooperate with some retailers, such as Suning, there is a handling fee for each payment after installment payment. Generally speaking, it still costs more than direct purchase.