1, high security: credit card consumption, reducing cash expenditure, thus preventing the wrong number, receiving counterfeit money, forgetting to lose, being stolen, etc. ; Moreover, every credit card has a record. If it is stolen or lost, it is very convenient to trace it. As long as the loss is reported in time after discovery, the bank will bear the loss 48 hours or even 72 hours before the loss is reported.

2. Convenience and saving money: credit cards can be swiped directly or "pre-authorized", which is very convenient for booking air tickets, hotels, telephones, online shopping and car rental; If there is a "VISA" or "MasterCard" logo on the card, you can swipe your card directly abroad; Bank credit cards basically cooperate with merchants and will give discounts or cash back to shopping; Credit card points can be exchanged for gifts and participated in the lucky draw.

3. Accumulate credit and relieve stress: frequent use of credit cards and the habit of timely repayment can improve the credit limit of credit cards and their own credit, and accumulate good credit records for themselves; Credit card is a kind of high-grade consumption, which can temporarily relieve your own economic pressure. As long as you remember that enough is enough, everything you can do is good.

4. Financial management function: the credit card will provide detailed consumption bills in the form of paper or email after the bill date, so that you can know your expenditure last month and raise your awareness of financial management consumption; If you handle the secondary card, as the owner of the main card, you can basically grasp its consumption expenditure, manage it in a unified way, and understand the financial situation.