2. Free use of consumption quota: you can buy it in the current month and pay it back by credit card next month. As long as all the arrears are settled on the billing date, there is no need to pay extra.
3. Convenient repayment: There are many repayment methods for credit cards. You can choose your own repayment method or set up automatic repayment for credit cards.
4. There are many preferential activities: credit card issuers will cooperate with some merchants and launch some consumer preferential activities from time to time.
5. Redemption of points for rights and interests: Credit card consumption will be accumulated into points, and credit card points can be used to redeem various rights and interests.
6. Maintain personal credit: The credit card repayment record on time is conducive to maintaining personal credit and improving personal credit. When applying for mortgage, car loan and other loans, passing the examination can be a great help.
Disadvantages: 1, credit cards can easily lead to excessive consumption.
3. Credit card debt will bring mental stress.
5. Credit cards can lead to out-of-control debts.
6. Emergency financing can easily become long-term debt.