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. Unreasonable credit cards may also bring about 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. The interest rate is high.

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.