1. Advance overdraft function.

Overdraft function. For example, if money is tight recently, or there is a large flow of funds, and you don't have enough money for a while, you can use the advance overdraft function of your credit card. You can choose to swipe your card or withdraw a small amount of cash to meet your temporary needs. This is still very convenient.

2. Enjoy the convenience of installment.

If you need to buy something large for your life or work, such as a laptop or a car, and you don’t have that much money, you can choose to apply for installment payment through a credit card, so that you can enjoy the benefits of installment. . But you have to bear a certain amount of interest.

3. Convenient for travel.

Using a credit card is very helpful when traveling. For example, some special credit cards have the function of taking the subway and taking the bus. Some are convenient for refueling, some are convenient for booking air tickets and hotels, and some are convenient for traveling to Hong Kong, Macao and Taiwan, or when going abroad, such as dual currency or Multi-currency credit card.