Benefits of credit cards: Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, as long as the amount of consumption is returned on time, That's it.

1. You can make overdraft purchases without depositing, and you can enjoy an interest-free period of 20-56 days to pay back on time without any interest charges

2. It is not only safe to swipe your card when shopping , convenience, and points gifts;

3. Use the card to enjoy discounts when spending at the bank’s special merchants;

4. Accumulate personal credit and add to your credit file Integrity records will benefit you throughout your life;

Disadvantages of credit cards: The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of banks issuing credit cards is to make money. Once the credit card is repaid without interest, When you make a payment, you will be charged a high amount of interest, usually 50,000 per day.