Answer, benefits:

1. You can consume first and then repay, and you can enjoy a certain interest-free period after use.

2. You can purchase things after paying in installments, which reduces the pressure of one-time payment and prevents users from missing their favorite products.

Disadvantages:

1. Unable to control one's consumption desire. When many people use credit cards to consume, they end up spending too much and cannot repay on time on the repayment date, which makes themselves Carrying huge debts, and late repayments will also lead to a bad personal credit score.

2. Users may also have security issues. For example, if a credit card is lost, it is easy for fraud to occur, because when making international payments, the payment can be completed without a username and password.