1, less.
When you are in urgent need of cash to solve your urgent need, you can overdraw your credit card if you are embarrassed to talk to your relatives and friends. Although the interest of five ten thousandths is like usury, you can weigh it yourself.
2. Relative safety
Try to swipe your card when you spend money, so you can bring less cash-even if it is stolen or lost, it can reduce the loss. If the cash is lost, the possibility of getting it back is slim; But credit cards are different, even if they are stolen? If you lose it, we can report it as soon as we find it. Even if your credit card is stolen and there is no password, it is much easier to trace it-because every credit card has a record, let alone before the bank reports it? The loss of 48 hours or even 72 hours is borne by the bank. In addition, if you spend in cash, you may get back the counterfeit money at one time.
3, clean and hygienic
With a large cash flow, you can imagine the bacteria on the coin, and the credit card has been touched by several cashiers except yourself-even if the credit card is dirty, it can be disinfected and cleaned.
Step 4 save money
Many banks' credit cards have cooperation or promotion with merchants, such as returning the existing discount by swiping the card, watching a movie or eating western food with a 15% discount. In addition, credit card points can also be exchanged for some gifts in daily life, and there are even some lucky draws.
Step 5 facilitate
If there is a "VISA" or "MasterCard" logo on the credit card, you can spend it directly abroad, and the savings card or cash must be exchanged first; In addition, use credit card to book air tickets and hotels, telephone or? Online shopping and car rental are also very convenient, but savings cards do not necessarily have this benefit-because credit cards have the function of "pre-authorization" in addition to direct credit card swiping; There is also the embarrassment of not changing.
6. Relieve economic pressure
If there is a certain economic pressure to pay a large amount of consumption at one time, you can use a credit card to pay in installments and enjoy your favorite items in advance; Although you need to pay a certain handling fee, I think it's worth it compared with enjoying the intangible value produced by half a year or even a year in advance. Of course, spending in advance should be done according to one's ability.
7. Accumulate personal credit records
More use of credit cards and timely repayment can improve the credit limit and credibility. At the same time, the people's bank of China's personal credit database will have your good credit record, and it will be much easier to approve loans to buy a house and a car in the future.
8. Apply for supplementary card
If you apply for supplementary cards for family members, especially children, you can basically grasp their financial status such as consumption expenditure, which is convenient for educating children about financial management and consumption awareness.
9. Easy to manage money
After the billing date, we will receive a detailed consumption bill in the form of paper or email. From the bill, we can clearly understand our consumption and expenditure last month.
10, extra benefits
Some credit cards also provide free accident insurance, medical insurance, trailer and car wash, enjoy the service of VIP rooms in banks or airports, and can also exchange benefits such as voyage and gasoline points.