1. Benefits of credit card:

(1) Enjoy in advance. When you see an item you like, but you don't have enough money, you can only save money when you don't have a credit card. It may take several months to save money to buy it. But if you have a credit card, you can have the item immediately, pay it back next month, and you can also pay it back in installments.

(2) You can participate in various discount activities. Merchants who cooperate with banks can enjoy various discounts when spending.

(3) accumulate personal good credit. Using a credit card will generate a credit record on the credit report, and a good credit record will help you apply for a loan in the future.

2. Disadvantages of credit cards:

(1) Develop bad consumption habits. Many people use credit cards too much, which will lead to addiction and blind consumption.

(2) bear interest expenses, cash withdrawal of credit cards and other functions are all charged with interest, and interest will be generated if it is overdue.

(3) Credit is affected. When the credit card is overdue, bad records will be uploaded to the credit investigation, leaving a stain on your credit.