If I am not sure, I may also apply for a card, because it is indeed beneficial to apply for a card.

Advantages of credit cards

1. Overdraft in advance. If you are in a tight situation, have large capital flows, or are in urgent need of cash. Suddenly there wasn't enough money on hand. I was too embarrassed to talk to my relatives and friends. At this time, you can use the credit card overdraft function. Swipe your card or withdraw cash to relieve the cost of burning coal. You can also avoid defaulting on a favor.

2. Convenient to travel. When passing through the ETC channel at the expressway toll station, the payment can be deducted directly to avoid parties. Credit cards with the "VISA" or "MasterCard" logo can be used directly to make purchases abroad. Debit cards and cash need to be exchanged in advance. You can also use credit cards to book hotels, air tickets, taxis, etc. Some cards have discounts. Some credit cards have the function of taking the subway, bus, etc.

3. Installment repayment. Sometimes it is necessary to spend a relatively large amount of money at one time. For example, buying large items such as appliances and furniture can feel stressful. At this time, you can choose to repay in installments with a credit card, so that you can enjoy what you want in advance. However, you need to bear a certain amount of interest.

4. Save money. Many banks cooperate with merchants for their credit cards. For example, there are discounts for watching a movie or eating. For example, as much as you swipe your card, you will receive cash back and gas discounts every day of the week, etc. In addition, credit card points can also be redeemed for some gifts in daily life, and some have lottery activities.

5. Accumulate personal credit history

Using more credit cards and repaying them on time and in full can improve your credit limit and credit rating. And once the bank's personal credit information database has your good credit record, it will be much easier to get approval for a loan to buy a house or a car.

6. Other conveniences

Some credit cards also provide free accident insurance, medical insurance, towing and car wash services, etc. You can also enjoy the services of banks or airport VIP lounges. You can also use points to exchange for flights and gasoline, among other benefits.