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Should I get a credit card?
Credit card is a must.

Direct benefits of using a credit card:

1, easy to use: the credit card is very convenient to use, and you can use it to pay quickly with WeChat Alipay, thus avoiding the trouble of paying cash consumption and worrying about the danger of carrying too much cash with you.

2. Exclusive discount: Cardholders can hold credit cards and generally get additional services, such as giving away insurance and exclusive airport use rights. You can also participate in various preferential activities, such as ordering food at half price, watching movies for free, washing cars for free and so on.

3. Redemption of points: Credit cards can be swiped at cooperative merchants, so that consumption points can be accumulated. When the points meet the gift conditions, they are directly exchanged for goods. Even some banks can recharge their calling cards with points.