the advantages are: you don't need to carry a lot of cash, you can redeem your spending points for gifts, you can learn about your spending habits through your spending bills, you can make money during the interest-free period, you can use a credit card for your daily consumption, you can buy low-risk and highly mobile wealth management products in cash, you can cope with unexpected events, and you can improve your credit rating when you are in urgent need of cash to solve your urgent needs.

disadvantages; It is prone to blind consumption < P >. Spending money like running water leads to excessive consumption, and it is easy to be stolen by others when it is lost or stolen, causing unnecessary troubles or losses, and even prone to the danger of being stolen. For example, cardholders who have been maliciously in arrears for a long time will affect their personal credit records.