Credit card is a payment method that does not require cash transactions. After the bank handles the credit card, it can spend directly, which is a short-term borrowing behavior and needs to be repaid later.

If you don't have cash flow for the time being, using credit cards can increase the flexibility of funds. There are also many marketing agencies that can enjoy various preferential discounts brought by credit cards, often use credit cards to spend money, and can also do their own credit investigation better, but remember to repay in time. A stable repayment record will make the bank list you as a quality customer.

If there is a demand for mortgage and car loan in the future, it will be easier to approve. When you use a credit card, you will flexibly record your monthly consumption records, which will make you more aware of your consumption.