For working-class people, funds are sometimes tight. At this time, the biggest advantage of credit cards is revealed.

For those who run a small business, the lack of cash flow is really a headache. Borrowing money is not convenient, and taking out a loan is not cost-effective and troublesome. At this time, credit card is definitely your best choice.

Disadvantages. Credit cards can be overdrafted for consumption. Because there is no cash when paying, many people have no concept of spending money. It can easily lead to excessive overdrafts on credit cards. If the overdraft cannot be repaid on time, it will have a very bad impact on personal credit. ; If the credit card is used improperly, once it is overdue, overdue interest and late payment fees will be incurred. What is more serious is that you have to use an outside repayment company to repay, and you will have to pay higher interest and handling fees, and even May affect personal credit record.