Credit payment refers to a payment method in which consumers first pay the credit card company when purchasing goods or services, and then repay the credit card debt according to the agreed period. Cash payment refers to consumers paying with physical currency such as cash or checks. Compared with cash payment, the main advantages of credit payment are convenience, safety and reliability, higher consumption limit, points rewards and other benefits. But the disadvantage is that certain handling fees and interest may be charged, which may increase payment costs for consumers. At the same time, there is also the risk of credit card information leakage in credit payment, and you need to pay attention to prevention.