The benefits are: no need to carry a large amount of cash, consumption points can be exchanged for gifts, consumption habits can be understood through consumption bills, interest-free periods can be used to make money, credit cards are used for daily consumption, cash purchases are low-risk, and financial management with strong liquidity The product can cope with emergencies. When you are in urgent need of cash to meet your immediate needs, your credit rating can be improved when your repayment record is good.

Disadvantages: Blind consumption is easy to occur

. Spending money like water leads to over-consumption. It is easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss, or even It is easy to be in danger of being swiped, such as cardholders who have been maliciously in debt for a long time, which will affect their personal credit records.