Have you ever heard of Kanu? Hehe, the advantage of a credit card is basically that it can be overdrawn, that is, if you are in a hurry, you can get it. Sometimes it depends, but this is also the disadvantage. Because you can overdraw, delaying repayment may cause credit problems, which may affect your future loans or even buying a house. If you default, you may cause a lot of late fees. If you overdraw every month, you will become a card slave and change it every month.