First, it can save money. Many banks' credit cards cooperate with merchants. For example, there is a discount on credit card, and there is a discount on eating, watching movies, shopping, refueling and car washing in the supermarket. In addition, credit card points can be exchanged for some gifts in daily life, and there are even some lucky draws, so points can be used as money.
Second, suspend economic pressure. Sometimes money is urgently needed, and paying a large amount of consumption at one time will have certain economic pressure. If you have a credit card, you can use it to pay in installments and enjoy your favorite items in advance. The money left in hand can also be used for daily expenses and turnover.
Third, online consumption is convenient and fast. Many online shopping malls or Taobao shops have opened credit card payment methods, catering to consumers' psychology of spending with credit cards. Although credit card online consumption has no points, its convenient and fast payment method is liked by many people.
Fourth, accumulate personal credit records. Even if there is no big turnover demand, it usually costs money. If you use more credit cards and repay on time, you can improve the credit limit and credibility. You will have a good credit record in the personal credit database of the People's Bank of China, and it will be much easier to approve loans to buy a house and a car in the future.