First, about the "pit" of using credit cards.
The first problem is the use of credit cards, because credit cards are just credit cards, you can get future consumption through credit, but you can't get points by using credit cards, and even if you use credit cards to save money, there is no interest, even if you use credit cards to withdraw cash, you have to pay interest to banks. Moreover, some banks have different cash withdrawal fees, and consumers suffer a lot.
Secondly, there are many types of credit cards, but if there are many types, the problem will come, because nowadays people will be unscrupulous when they use more credit cards to buy things, and it is even easy to confuse how much each credit card costs and when the repayment period is. It not only disperses consumption, but also increases the pressure of future repayment.
The third pit is the interest-free credit card, which is aimed at credit card consumption, but does not include cash withdrawal. I believe many people have been in the pit. Therefore, when handling credit cards, we must pay attention to the issue of cash withdrawal.
Second, the use of credit cards matters needing attention
In addition to the above, we will inevitably encounter some pits in the process of using credit cards. In the process of using credit cards, we should also pay attention to the fact that credit card points can be cleverly wasted. It is better to exchange points for various gift miles. In addition, if you don't need to use a credit card, you must cancel it in time. It is the most thorough to cancel the account after canceling the card. Otherwise, the items in it will reveal personal information, which is likely to cause unnecessary losses.
To sum up, credit card processing is the same sooner or later. We must judge them according to our spending power. In addition, we also warn young people to spend rationally and not to overdraw their wallets.