Advantages and disadvantages of credit cards
When handling credit cards, users can enjoy many preferential policies brought by credit cards first, and there are also corresponding preferential policies for spending credit cards in major stores. At the same time, it also avoids carrying a lot of cash out of the house, which is very convenient and fast, and there will be no danger caused by carrying a lot of cash. You can also enjoy a way of spending first and then repaying, which can temporarily solve the financial difficulties of cardholders.
However, it is precisely because credit cards do not give people a sense of virtuality and enjoyment like cash, so people are often less cautious when using credit cards than when using cash, which leads some people to spend money lavishly and have no practical concept, resulting in some blind consumption of money. It was not until the last critical moment that I found that I owed a lot of money, causing a vicious circle, and even robbing Peter to pay Paul, which ultimately affected my personal credit record.
We all know that credit cards have corresponding repayment dates in every bank, so credit cards are very convenient and fast to use. However, if you don't pay off the arrears before the repayment date, you need to pay a high late fee and bank interest. The virtual sense of credit card consumption is also the biggest drawback of credit cards. So that people do not lack a specific concept of consumption and cannot restrain their desire to spend money. Coupled with various repayment methods such as installment repayment and minimum repayment amount, many people finally went to the road of overdue debts.
I have to say that credit cards have brought a lot of convenience to our lives. When you use credit cards in major supermarkets, you will also get corresponding virtual points, so as to exchange various commodities. However, it is undeniable that the emergence of credit cards also has many disadvantages, which makes many people unable to control their consumption desires and even commit crimes. Therefore, I still hope that everyone can use credit cards better and more reasonably, instead of blindly spending and losing credibility.