The biggest advantage of credit card is that it can overdraw consumption and enjoy interest-free period. There are also several advantages: \x0d\ 1, helping lazy people settle accounts. Cash every month. By the end of the month, when you think about it carefully, you often can't remember where it was used and how much it was used. The credit card will give you a bill every month with the name of the merchant, the date of consumption and the amount of consumption, which can help you remember the purpose of the funds. \x0d\2。 Credit cards can synchronize expenditure with income. For example, you get a salary of 5438+05 every June. You can synchronize your salary with your credit card bill. For example, your billing date is the 7th, and the 27th of each month is the repayment date. Then 15 salary can be used for repayment. Many people think that credit card overdrafts should be paid back, but they can enjoy the interest-free period of the bank. Why give up this benefit? It was agreed to spend this month first and next month, so what's wrong with waiting for next month's salary? \x0d\3。 Although many people disdain overdraft, they think that the savings in their savings cards are enough for consumption. Even so, the credit card bill still reflects your consumption better than the balance of the savings card. If you are not a moonlight family, if the money on your savings card is far greater than your salary for several months, people with poor control ability will often brush it indiscriminately because there is too much money left on the savings card. However, credit cards are different. It has no money, and its balance is negative. It shows your overdraft limit this month. On the savings card, you often pay attention to how much money you have left, but you can directly know how much money you spent this month from the credit card, which is a good reminder, or at least give you a constraint. \x0d\4。 Of course, for others, it is the benefit of temporary turnover. For example, suppose you don't have much cash around, but now someone is temporarily ill and needs five small numbers for surgery. Generally speaking, people who manage money for a long time don't leave much cash. If you have a credit card, you can swipe it out immediately, and then you can raise enough money in 50 days at the longest. For short-term operators, 50 days is already a lot of space. \x0d\5。 Credit card is a trend. Nowadays, people buy things online, especially Haitao is becoming more and more fashionable, and they basically use credit cards for pre-authorization. If you book a travel route or room online, you need to use a credit card for pre-authorization even if Apple purchases app software. It's really inconvenient not to have a credit card with you.