Everything must be viewed in two, even credit cards are no exception. In fact, as long as you use it well, it can not only solve your financial problems, but also help you accumulate a good credit record. . It has many benefits:

1. Swiping the card when shopping is not only safe and convenient, but also provides points as gifts;

2. You can enjoy discounts when spending at designated merchants;< /p>

3. Accessible across the country, you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo;

4. You can make overdraft purchases without depositing, and enjoy 20 -56 days of interest-free period;

5. Free choice of one card and dual currencies, available all over the world, and overseas consumption can be repaid in domestic RMB;

Disadvantages:

1. Because the "consume first and repay later" model is implemented, it is easy to cause blind consumption and excessive consumption;

2. Credit cards basically default to password-free swiping purchases, which means It is easy to be stolen by others when lost or stolen, causing unnecessary trouble or losses;

3. If the repayment is not made on time, it is easy to cause high interest rates.

Actually, a credit card is like a double-edged sword. It depends on how you use it. If you use it well, the advantages outweigh the disadvantages. If you are not good at using it, the opposite is true.