With the rapid development of internet finance, credit cards have entered people's lives in various ways and gradually become a sharp weapon for people's consumption. Many people use credit cards to facilitate and enjoy the benefits and rights brought by cards. In fact, there are many benefits that not everyone knows. Today, I will tell you why you want to apply for a credit card.

1, interest-free overdraft

This is why many people apply for credit cards. Credit cards can enjoy the pleasure of spending in advance and have a certain interest-free period. As long as the cardholder pays off the credit card bill before the end of the final repayment date, there is no need to pay any fees. For card friends who are financially nervous, its role is more prominent.

2. Preferences and rights

Apart from the basic functions of credit cards, banks also offer various preferential activities from time to time, such as cash back for car owners' cards, cash back for foreign currency cards in consumption abroad, and discount activities for shopping cards. In addition, there are credit card points accumulated by consumption, convertible gifts accumulated by points or direct offset of consumption amount.

The rights and interests of credit cards are also very rich. Different types of cards enjoy different rights and interests. For example, the Young card of China Merchants Bank enjoys double points in the birthday month, and the first cash withdrawal is free every month; Major banks issue platinum credit cards PP cards and enjoy free services in VIP rooms of major airports around the world.

3. Annual fee concessions

When you apply for a credit card, you have to bear a certain annual fee while enjoying convenient payment and preferential activities, but generally it is an ordinary card, a gold card and so on. You can use the number of swipes or credit card points to offset the annual fee. As long as you can guarantee timely and full repayment, you can enjoy the benefits of credit card completely free of charge.

4. Other functions of the card

Credit cards can meet the various needs of cardholders for funds, such as cash withdrawal, credit card loan, credit card transfer, installment payment and overseas settlement.

Step 5 accumulate credit

Why do you want to apply for a credit card? I believe the above reasons can really impress you. If you haven't applied for a credit card, you can apply for a credit card through the credit card entrance and enjoy all the benefits brought by the credit card.