The advantages and disadvantages are mainly discussed from the influence of credit card use, and the main points include the harm of excessive consumption and credit card discount. The details are as follows:

Disadvantages of credit card use: it is easy for people to spend. Once the money becomes digital, when we spend it, it is often more generous than spending money. Poor control will cause you to make ends meet; if you don't make repayments on time, high interest will be generated and your credit history will also be affected. Will increase the financial burden and the inconvenience of future pers Onal loans.

Disadvantages of using credit cards: It is easy for people to overspend. Once money becomes digital, we often spend it more generously than money. Poor control will make ends meet; If you don't repay on time, it will generate high interest and affect your credit history. It will increase the economic burden and the inconvenience of personal loans in the future.

if a credit card is not swiped enough times every year, an annual fee will be increased, and credit card withdrawals will be charged a handling fee.

if the credit card is not swiped enough times every year, an annual fee will be incurred, and there will be a handling fee for withdrawing the credit card.

Credit card is good: when you use a credit card, you can enjoy discounts from partner merchants, such as Starbucks and other food discounts launched by China Merchants Bank; credit cards are safer, and general credit card withdrawals have a certain limit, such as Bank of Communications is 5% of your opening limit . There is no danger of having a password. Even if the password is lost, The loss is within a certain range.

The good thing about credit cards: if you use credit cards, you can enjoy discounts given by cooperative merchants, such as Starbucks and other food discounts introduced by China Merchants Bank. Credit cards are safer. Generally, there is a certain amount of cash withdrawal from credit cards. For example, Bank of Communications is 5% of your opening amount. There is generally no danger in having a password, even if the cracked password is lost, the loss is within a certain range.

Credit cards can temporarily alleviate economic difficulties. For some people who have short-term financial difficulties, it is tantamount to sending charcoal in the snow. After all, there is no need to put down money and borrow money from others; A good credit history has been certain for applying for loans in the future. Get a higher loan amount.

Credit cards can temporarily alleviate financial difficulties. For some people with short-term financial difficulties, it is tantamount to offering timely help. After all, you don't have to put down your face and borrow money from others. A good credit record is convenient for applying for a loan in the future, and it is possible to get a higher loan.