1. Why use a credit card?

1. Just in case, emergency needs

The money in the debit card is what you want to save Yes, once something unexpected happens and catches you off guard, such as falling ill and not having enough money for medicine or even surgery, then a credit card can come in handy.

You don’t need to owe favors. You can swipe your card for urgent use and use the interest-free period to repay. When the time comes, your salary will be paid, or your financial management will increase your money? You have one more choice at critical moments.

2. Accumulate credit in the bank

How can people not borrow money when they are floating in the world? The lowest cost of borrowing money is the bank, which will be based on the cardholder's repayment ability. and willingness to repay, granting a certain credit limit, the importance of personal credit is still very important.

Having a good credit card usage record can better prove personal credit. The better the credit, the higher the success rate of applying for a card loan.

In addition, when using credit cards, you must avoid bad records such as overdue payments and debt arrears, otherwise it will affect your life and business in the future.

3. Satisfy daily consumption

“Spend tomorrow’s money to fulfill today’s dream.” When I see a bag that has not been discounted for a long time suddenly being promoted, but I don’t have much money, Your salary won’t be paid until next month, and now you only have one credit card left!

4. Points redemption and various discounts

In the era of Internet payment, don’t say you are still paying by merchant Eat and watch movies at prices that are marked! Credit card points can be exchanged for small gifts online. Airline miles saved can be exchanged for air tickets. Points can be exchanged for star hotel stays, Starbucks, movie tickets, etc. They can be used as cash and can be exchanged for cash on the platform! In addition, various banks offer endless credit card benefits and discounts, such as restaurant merchant vouchers, 9 yuan movie tickets, free airport transfers, VIP lounges, etc., but debit cards are not discounted at all!

5 , Convenient to check accounts and understand your own consumption

Usual accounting is a tedious task. The monthly credit card bill is basically equal to the consumption record. You can also bind payment apps such as Alipay to clearly understand your expenses. Facilitates financial planning.

Credit Card

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