Credit cards can provide services of consumption first and repayment later, but many friends think that you still have to repay the credit card after using it, so they don’t understand why many people apply for credit cards, so why should they apply for a credit card? 1 Get up and find out!
Why should you apply for a credit card?
1. Applying for a card comes with various benefits: Some high-end credit cards come with various benefits, such as first-time credit card gifts, airport/high-speed rail VIP rooms, chauffeur services, roadside assistance, insurance, etc. can improve the quality of life.
2 Participate in preferential activities: Credit card issuers will launch various preferential activities for cardholders, such as dining discounts, shopping discounts, gas rebates, etc. Participating can reduce some living costs.
3 You get points by swiping your card: If you use money to buy something, you just use it, but when you pay with a credit card, you can usually earn 1 point for 1 yuan, and the points can be used to redeem miles, gifts, coupons, etc. All kinds of stuff.
4 Capital turnover: When you need money urgently, credit cards can be used as working capital. You don’t have to borrow money from relatives and friends or owe favors to others. The credit card limit is given based on one's own qualifications. Generally, the better the qualifications, the higher the limit, and the more funds can be used for turnover.
5 Earn interest: Use credit cards first and then repay. There will be at least one month of lag in repayment. The money that should have been used for consumption can be saved to earn some interest.
6 Accumulate a good credit report: When applying for a home loan or a car loan, you must check the credit report. Proper use of credit cards is conducive to building a good personal credit report and is conducive to the approval of other loans.
The above are the reasons why you should apply for a credit card. Of course, not everyone is suitable for applying for a credit card, and not everyone needs to apply for a credit card. You can apply for one according to your actual needs.