Hello, there are many advantages of handling credit cards:

First, it is convenient to travel and enjoy preferential treatment. Now there are many different types of credit cards, some of which offer discounts on subways, some offer discounts on buses, some offer discounts on booking air tickets and hotels, and some offer very convenient foreign exchange when going abroad.

Second, you can enjoy the convenience of installment. After a large amount of consumption, you can repay by installment and slowly.

Third, it is convenient for financial investment. Credit cards have an interest-free period of up to 56 days. During the interest-free period, users don't have to pay interest, so users can use their own money for financial investment.

Fourth, points can be used to exchange goods. When we use credit cards to spend money, we usually have points, and points can be used for shopping in integral mall.

Fifth, and most importantly, you can overdraw your spending by using a credit card. When you have insufficient funds, you can use your credit card to spend or withdraw cash.

what are the disadvantages of using a credit card?

First of all, after you apply for a credit card, you will make a credit inquiry. Once your credit card is overdue, there will be overdue records on your credit inquiry, which will affect your credit.

Secondly, your credit card may be stolen. Once it is stolen by others, it is also easy to be stolen, which will cause unnecessary economic losses to yourself.

Finally, using a credit card will make your consumption very irrational, because you don't have to pay back immediately after using a credit card, but you can pay it back next month, which makes it easy for people to spend blindly and buy some unnecessary items.

In short, using credit cards has advantages and disadvantages. You must decide whether to apply for a credit card according to your actual situation. In the process of using credit cards, you must pay attention to protecting your privacy. Safety comes first. I hope the above answers can help you.