1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.
2. Be able to participate in various preferential discount activities for cooperation between merchants and banks, and enjoy various discounts for cooperation between merchants and banks.
3. Value-added services. All kinds of credit cards introduced by banks are accompanied by some value-added services. At present, the services provided by banks can be divided into seven categories: cash return, lottery, shopping discount, free insurance, travel service, personal financial report and other value-added services. These are the extra benefits that credit cards bring us.
4. Relieve the economic pressure. Money is suddenly tight and I can't pay my debts. If you have a credit card, it can help relieve stress. At present, there are two ways of minimum repayment or installment. If the pressure is shared equally every month, the pressure is not great.
5. Accumulate personal credit. Since the credit card was used, your personal credit information has been entered into the personal credit information system of China People's Bank. Frequent use of credit cards and timely and full repayment can establish a good personal credit record and help to apply for an increase in credit limit or apply for a loan.
6. Cash withdrawal is the auxiliary use of credit cards. Cardholders can withdraw savings deposits from credit card accounts or borrow cash in advance at the branch counters or ATMs of card issuers. In fact, in foreign countries, card issuers do not encourage cardholders to use credit cards to withdraw cash, especially credit cards. Because the first credit card, debit card, is essentially characterized by credit sales and revolving credit, not just for the convenience of payment and settlement.
Extended data:
Microfinance function
Small loans, first of all, credit loans, do not need mortgages. It mainly solves the financial service problem of low-end customers that traditional banks can't serve. Its service targets are low-end customers (including poor people with production capacity and micro-enterprises).
Because of the particularity of customers, unsecured credit loans are required. Because it is a credit loan, the amount must be small and the risk should be controlled.
The amount of microfinance in the world is generally measured by the multiple of local per capita GDP. According to the experience of the trading center in managing small loans, it is generally not higher than 5,000 yuan in rural areas and 20,000 yuan in cities. Convenient for people's daily life transactions and company turnover.
Baidu encyclopedia-credit card