Many cardholders have always stayed away from credit cards, especially after seeing negative news such as "XXX overdrafted his credit card and was unable to repay it and was sentenced", "XXX's credit card was stolen and used by someone on his behalf", etc., they feel that it should not be done. Get a credit card. In fact, credit cards are not a scourge. A large part of the reason for these negative news is due to problems with cardholders. It has nothing to do with the credit card itself. There is no need to reject credit cards. You know, for many people, the advantages of holding a credit card outweigh the disadvantages. Let’s introduce to you why you should use a credit card and how to choose the right credit card.

Analysis of the three major benefits of credit cards: 1. Accumulated credit: People who have never dealt with a bank will have a blank record in the central bank’s credit reporting system. If you want to change this situation, You can start by using a credit card. As long as you apply for a credit card, swipe the card frequently and repay it on time, you can establish good personal credit, which will be very beneficial for handling bank-related business in the future. 2. Save money: You can use credit cards to make overdraft purchases, but don’t be blind when swiping your cards. It’s best to understand the benefits you can enjoy with your credit card, so that you can save money by swiping your card. For example, if you apply for a Bank of Communications credit card, you can participate in the "Redtest Friday" event and get a refund of card swiping points by swiping your card in supermarkets. 3. Temporary emergency: For example, if your laptop is lost, you must buy a computer immediately because of work needs, but you have no savings. If you want to buy a computer, you can only borrow money from someone. If you have a credit card, you can swipe the card to buy a computer immediately, and you can also choose to repay in installments to relieve stress. All in all, having a credit card with a certain limit can make you more prepared when facing emergencies. The benefits of credit cards are not limited to the above three points, so I will not introduce them one by one. You can experience them yourself during the process of using the card.