Benefits 1. Hygiene. Unlike currency, credit cards are circulated among different groups of people and are touched by many people. However, credit cards can be disinfected even if they are dirty. So very hygienic.

2. There are discounts. Generally, banks will have promotional cooperation with merchants. For example, you can get money back or discounts by swiping your credit card.

3. It is easy to understand your consumption situation. No matter what you buy, as long as you swipe a credit card, there will be credit card consumption details in paper or mail form.

Disadvantages: 1. It is easy to be stolen. If the credit card is used for password-free payment, it may cause financial losses if it is lost.

2. It is easy to spend blindly because credit cards do not buy things like money. For example, if you buy a large amount of something, you need a large stack of money, but a credit card only requires a short time. This will lead to a situation where money is wasted like water.

3. With high annual fees, credit cards have three levels: regular card, platinum card (diamond card) and gold card. The annual fee of a credit card changes with the level of the credit card. The higher the level, the higher the annual fee. Even if there is a consumption reduction policy, the procedures are very locked, and many people generally have difficulty completing the application.