Save the trouble of carrying cash. Credit card consumption avoids the trouble of paying cash in the past, and there is no need to worry about the danger of carrying too much cash with you. Users can spend first and then repay, which is very helpful in the case of insufficient capital turnover.

You can participate in various discount activities. Many businesses have cooperation with banks. Consumers can take credit cards with them and enjoy discounts and other preferential activities. Customers can save money and get points. Why not? This is why many young people like to swipe their credit cards when they go out to spend money.

Deduction points for consumption. When users use credit cards to spend money, they can get points in many cases. The integral conversion standard of each bank is different. Please consult the corresponding bank for details. When users' points reach a certain level, they can exchange gifts, including things and virtual items, at the integral mall of the Credit Card Center website.

The credibility of personal banks has been improved. When we need a loan in our life, the bank attaches great importance to your credibility. If your credit card has always been good, it will be of great help to the loan.

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.

Financial investment. Generally speaking, the interest-free period of credit cards is about 55 days, which means that consumers do not have to pay any interest to the bank during this period after spending by credit cards. During this period, some families will invest their funds in other places as working capital and manage their finances reasonably.

Extra privileges. Some bank credit cards not only enjoy discounts, points and other benefits, but also provide additional services. For example, some bank credit cards can enjoy free car wash service at designated places at a fixed time every week, or some bank credit cards provide free insurance service.

No restrictions on the use of the area. Credit cards can be used all over the country, and some credit cards can even be used directly abroad. As long as it is an ATM or POS machine marked with UnionPay logo, you can spend it by credit card.

If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.