1. With a credit card, cardholders can start to accumulate personal credit. From then on, it will be much easier to bid farewell to the status of "white households" and apply for loans in the future.

2. Credit cards have an interest-free period. During the interest-free period, you can use the bank's money for free and make money for short-term financial management. Some cardholders can also borrow credit cards for capital turnover, which is convenient and practical.

3. There are many credit card discount activities, such as card sending, discount and cash back, which will save money for your consumption.

4. foreign currency credit cards such as 4.Visa or MasterCard are convenient for cardholders to make international online payments. Haitao is more convenient, and traveling abroad is not a problem.

5. As long as you don't handle the business of cash withdrawal, installment, etc., and at the same time, you are exempt from the annual fee for enough times and don't overdue repayment, the credit card has almost no cost.