1. Special merchants with bank cards can enjoy preferential treatment;

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift;

3. Accumulate personal credit and add a credit record in the credit file to benefit for life;

4. If there is no deposit, you can overdraw your consumption, and you can enjoy an interest-free period of 20-56 days to repay the principal and interest on time without charging any fees.

Second, the disadvantages of credit cards

1, with high interest rate

If you can't take care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge you high interest.

2. Blind consumption

Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water.

3. An annual fee is required.

Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB only needs to swipe its card three times a year, but if you don't swipe your card to the bank the specified number of times a year, you need to charge an annual fee.

4, affect personal credit records

Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.

Step 5 steal brushes

Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary trouble or loss. At the same time, credit cards can also apply for password consumption, depending on how you manage credit cards. Many people did not cancel their credit cards because of their lack of experience in this field, and some lawless elements re-applied for credit card overdraft consumption. . This will make it easier for you to judge.