Now more and more people use credit cards to spend money, but there are advantages and disadvantages in the process of using credit cards.

The advantages are:

1, which can overdraw consumption and relieve economic pressure;

2, convenient and fast, but also enjoy preferential treatment;

3. Accumulating credit helps to improve the pass rate of mortgage and car loan.

Disadvantages are:

1, which is easy to cause excessive consumption and thus overdue;

2. It may be stolen;

3. Overdue will affect the credit, and you need to pay a high penalty interest.

In short, credit cards (debit cards) are more convenient to use, but you should also be careful not to spend too much in the process of using them.