Credit card is a personal credit product issued by banks, which is mainly used for overdraft consumption and cash advance. It's convenient to use a credit card. If used well, it can bring many benefits to life, but if used improperly, it will also bring some troubles:

First of all, list some benefits of credit cards:

1. Credit overdraft, consumption in advance. Overdraft consumption and cash withdrawal are the basic functions of credit cards. If you are short of money recently, or have a large flow of funds, and there are vacancies in the short term, you can choose to spend by swiping your card through the overdraft function of the credit card in advance, or withdraw a small amount of cash to solve the temporary needs.

2. Large consumption installment payment. At present, credit card issuers basically provide installment payment services. If there is a big fee and there is no one-time payment, you can choose this service.

3. Business travel credit card is convenient for travel. Some special credit cards have the function of taking the subway and bus, some are convenient for refueling, some are convenient for booking air tickets and hotels, and some are convenient for going to Hong Kong, Macao and Taiwan or going abroad, such as dual-currency or multi-currency credit cards.

As for the disadvantages of credit cards, they are mainly caused by the improper use of credit cards by cardholders themselves:

1. Transitional consumption. Many people will choose to swipe their cards when shopping, especially when swiping credit cards. It is because of this kind of credit card consumption that it is very addictive and will cause some blind consumption. You may even buy some unnecessary things, which will undoubtedly increase your financial troubles.

2. Credit card withdrawal interest is high. It is not recommended to withdraw cash by credit card unless it is an emergency. Although some credit cards with bank cards offer existing discounts, they are a minority after all. Many banks not only need handling fees to withdraw cash from credit cards, but also need to pay a certain amount of interest every day from the time of withdrawal, which is not a decimal.

3. Improper use endangers personal credit. If you spend too much with your credit card and repay it in time, your credit limit will increase with the amount and frequency of your credit card consumption, which is good for you to borrow money to buy a car and a house. However, if your overdue repayment causes you a bad credit record, it will bring you some unnecessary troubles and have a great impact on your personal life and work.