1. In case of financial difficulties, you can overdraw your credit card for consumption.

2. Users can participate in various discount activities to save money.

3. You can save points by swiping a credit card, and the points can be exchanged for some gifts.

4. There is an interest-free period after using the credit card, during which the funds can be used for financial management.

Credit cards can be used as long as they are ATM machines and credit card machines with bank signs.

6. Repayment on time can accumulate personal credit and develop a good credit record.

Disadvantages:

1, credit cards are overdrawn. If users spend blindly, it will lead to overspending and bring repayment pressure.

2. If you choose to repay by installments, there will be certain interest expenses. If it is overdue, there will be late fees and penalty interest, and bad records will also be left on the credit report.

3. criminals will use some technologies to obtain user information, and credit cards may be stolen.

Can I cancel my credit card?

Of course. Before canceling the credit card, all the debts in the card must be returned, otherwise it cannot be cancelled. It should be noted that the credit card can no longer be used during the cancellation period, otherwise the cancellation will fail and it needs to be cancelled again.