The advantages of college students' credit card (debit card) consumption are that it can help college students accumulate good credit records, and credit card (debit card) will provide some rights and interests that college students can enjoy when using the card; As for the disadvantage, college students have not cultivated a good concept of consumption, and in the process of using credit cards (debit cards), there may be unrestrained overdraft, thus developing the concept of high consumption.

In fact, everything has advantages and disadvantages. If college students apply for credit cards (debit cards) successfully, banks will not provide too high a quota. Therefore, college students can use this time to cultivate a correct concept of consumption.