There is no question of whether a credit card is good or bad.

There is nothing black and white in this world. To put it bluntly, a credit card is a platform. It is a special settlement instrument, electronic currency, and short-term loan financing method. Once used, there will be no charges on the credit card. If it is used for advance consumption or cash transfer, it will be a talisman for huge pressure

These days, most young people in China are highly in debt, and credit cards and online loans have become the targets of complaints from netizens. In fact, this is not the case. The advantages of credit cards actually outweigh the disadvantages. The reason why I say this is that I will analyze it slowly! Why should you insist on using a credit card?

The future is an era of big data, and the value of credit will be infinitely magnified. As users, where does our credit come from? Let me tell you accurately that personal credit is obtained by dealing with banks. For example, we use bank credit cards!

Let me just say this. In the future, whether we are buying a house, a car or even a loan investment project, the only ones that can lend you big money are banks. Don’t talk to me about Alipay’s Ant Lending, that thing can give you Your limit of 300,000 is very good.

Besides, bank interest rates are much lower than Alipay loans, so everyone must have a clear understanding! How do credit cards help our lives?

A credit card is essentially an unsecured short-term consumer credit. The bank grants a certain credit limit based on the cardholder's repayment ability and willingness to repay, and the cardholder's card holding and card usage status. All will be recorded.

At the beginning, everyone’s credit limit is very low, but as your credit accumulates, your credit limit will be very good.

In terms of life, credit cards can enjoy benefits from banks, restaurants, movies and even hotel stays. Moreover, you can also get points by swiping your credit card. Points can be redeemed for various products in life, but most people choose to use points to redeem air tickets!

Conclusion: Some people always think that credit cards are used to borrow money from the future, but if you automatically deduct money every month, then what you consume is not future money at all, but money that originally belongs to you.

The main reason why many people are disgusted with credit cards is because they create debt for themselves through credit cards. For example, you can cash out your credit to gamble, buy high-risk investment products, etc. Therefore, having a clear understanding of yourself is the key!