The biggest advantage of using a credit card is that it can be spent in advance, and it also relieves personal financial strain. For example, when we see a good commodity, we can pay by credit card when our personal funds are insufficient, so that we can buy the commodity in time.

The biggest drawback of using credit cards is that users can't repay in time after excessive consumption. If you can't repay in time after using it, there will be a penalty interest, and your overdue records will be confiscated at the meeting. After receiving the credit information, all kinds of loans will be affected and will remain in the state of paying off for 5 years.

In fact, when the user can't return the credit card bill on time, installment repayment or minimum repayment amount can be used. Users need to pay a certain fee when using these methods to repay loans, and the fees paid by different installments are different. When choosing, you generally need to decide according to your income.

Individuals applying for credit cards should not pursue high quotas. At the beginning, the quota is generally equivalent to your own income. In the process of use, you must repay on time, and don't exceed your personal tolerance when spending. Generally, the monthly consumption limit does not exceed half of personal income.