The pros and cons of credit cards.

1. Benefits

Applying for a credit card can help with short-term capital turnover and relieve economic pressure, while also meeting your own purchasing needs, such as cross-border consumption needs, online shopping needs, and installment consumption. Needs and needs to enjoy preferential activities. Paying your loan on time also improves your credit score in case you need a loan in the future.

2. Disadvantages

It may develop the habit of blind consumption. Excessive consumption will put pressure on cardholders to repay, and it is easy to become overdue if they are not careful. If you don't know how to take care of your credit card and cannot repay as scheduled when the final payment date comes, the bank will charge high interest. Moreover, it also affects your credit score.