Why apply for a credit card? Give you reasons to use it

With the rapid development of Internet finance, credit cards have entered people’s lives in various ways and gradually become a powerful tool for people’s consumption. . Many people use credit cards for convenience and to enjoy the benefits and benefits brought by the cards. In fact, there are many benefits that everyone is not aware of. Today I will tell you why you should apply for a credit card.

1. Interest-free overdraft

This is the reason why many people apply for a credit card. You can enjoy the fun of early consumption by swiping a credit card, and it has a certain interest-free period. As long as the cardholder is in If you pay off your credit card bill before the final payment date, you won't need to pay any fees. For cardholders with financial constraints, its role is even more prominent.

2. Discounts and rights

In addition to the basic functions of credit cards, banks also offer various preferential activities from time to time, such as gas rebates for car owners and rebates for overseas purchases. cash, shopping card discounts, etc. In addition, you can accumulate credit card points through consumption, and the accumulated points can be exchanged for gifts or directly offset the amount of expenses.

Credit card rights are also very rich, and different card types enjoy different rights. For example, the China Merchants Bank Young Card enjoys double points in the birthday month, and the first cash withdrawal of each month is free of charge; major banks Platinum credit cards are issued with PP cards to enjoy free services in VIP lounges at major airports around the world, etc.

3. Annual fee discount

While you can enjoy convenient payment and preferential activities when applying for a credit card, you will have to bear a certain annual fee. However, generally ordinary cards, gold cards, etc. can be swiped by credit card. The number of times or credit card points can be used to offset the annual fee. As long as you make sure to repay your balance on time and in full, you can enjoy the benefits of a credit card completely free of charge.

4. Other functions of the card

Credit cards can meet various fund needs of cardholders, such as credit card cash withdrawals, credit card loans, credit card transfers, installment payments, overseas settlements, etc.

5. Accumulate credit

Why should you apply for a credit card? I believe the above reasons can really impress you. If you haven’t applied for a credit card yet, you can apply for one through the credit card application portal. Credit card, enjoy the various benefits that credit card brings to you.

Why is it recommended to apply for a credit card?

If you don’t have a credit card and don’t have any loans in the bank, it is recommended that you consider applying for a credit card, because if we don’t have any consumption records in the bank, the bank will judge it as a white account. In fact, there are two types of customer groups that banks hate the most. One is those who have no money or owe money and refuse to pay it back (that is, the more money you are short of, the less the bank will give you money), and the other is those who have no consumption history or loan records and belong to pure small businesses. For the white customer group, after all, the bank has no basis to prove how much money I can lend you to ensure that the bank's interests will not be damaged. The bank is equivalent to only making risk-free loans.

The important advantage of having a credit card is that you are not a blank slate with the bank. If you encounter an emergency in the future and require a large amount of funds, the bank will be more likely to give you a certain loan limit or even a higher amount. Amount of loan.

Why should I apply for a credit card? What are the benefits?

Many cardholders have always stayed away from credit cards, especially when they saw those "XXX overdrawn their credit cards and were unable to repay them and were sentenced to prison" "," and "someone came to apply for a credit card and the credit card was stolen" and other negative news, which makes people feel that they should not apply for a credit card.

In fact, credit cards are not a scourge. A large part of the reason for these negative news is due to problems with cardholders. It has nothing to do with the credit card itself. There is no need to reject credit cards.

You know, for many people, the advantages of holding a credit card outweigh the disadvantages. Let’s introduce to you why you should use a credit card and how to choose the right credit card.

Analysis of the three major benefits of credit cards:

1. Accumulated credit: People who have never dealt with a bank will have a blank record in the central bank’s credit reporting system. If you want to change this situation, start by using a credit card. As long as you apply for a credit card, swipe the card frequently and repay it on time, you can establish good personal credit, which will be very beneficial for handling bank-related business in the future.

2. Save money: Credit cards can be used for overdraft consumption, but don’t be blind when swiping your card. It is best to understand clearly what discounts you can enjoy with your credit card, so that you can save money by swiping your card. For example, if you apply for a Bank of Communications credit card, you can participate in the "Redtest Friday" event and get a refund of card swiping points by swiping your card in supermarkets.

3. Temporary emergency: For example, if your laptop is lost, you must buy a computer immediately because of work needs, but you have no savings. If you want to buy a computer, you can only borrow money from someone. If you have a credit card, you can swipe the card to buy a computer immediately, and you can also choose to repay in installments to relieve stress. All in all, having a credit card with a certain limit can make you more prepared when facing emergencies.

The benefits of credit cards are not limited to the above three points, so I will not introduce them one by one. You can experience them yourself during the process of using the card.

This is the end of the introduction on why everyone should apply for a credit card and why it is necessary to apply for a credit card. I wonder if you have found the information you need?