First of all, we have basic expenses and expenses every month. Before using credit cards, do you make statistics on your income and estimated expenses in advance? I believe that most people live like this. After all, live within your means!
then when I have a credit card, I will use it to spend the money originally used in my income. Then put the cash in a short-term financial management. Although the interest rate of short-term wealth management products is very low, after all, there is a passive income! And if I don't have a credit card, then this passive income is gone. Right? Therefore, it is equivalent to using the money lent by the bank for free for my next life. This is the first beauty.
the second is that in many consumption scenarios, such as eating, bank credit cards can be discounted, but we can't enjoy such benefits when we use cash. After all, what you save is what you earn! Please comment on it.