1.

Relieve the financial pressure.

2.

The credit line can be accumulated.

3.

Consumption can enjoy interest-free period, accumulate points and can be exchanged for gifts.

4.

For international use, it can be used abroad.

5.

Many enterprises offer discounts to credit card holders.

6.

convenient

Having an overdraft credit line can alleviate the urgent need;

Disadvantages:

1.

Most credit cards don't have passwords, and once they are lost, there will be a lot of trouble.

2.

Using credit cards will increase consumption, and it always feels that you are not spending your own money, which will lead to irrational consumption.

3.

It is very expensive to withdraw cash by credit card.

In fact, good and bad are relative. Solving your immediate problem is its advantage, but subsequent problems may make you very upset. For example, when the final repayment date is up, you will worry about the number of cards. Personally, I think applying for a credit card requires a stable job and a fixed income.