Decide whether to apply for a card based on your own needs. The basic functions of a credit card are the same. You can use the card for consumption, domestic and overseas online payments, installment payments, various small loans, credit card points, and accumulated credit. , interest-free period of up to 50 days, etc. Different discounts and promotions will be launched from time to time for different credit cards. Since personal preferences are different, it is recommended that you choose according to your own preferences.
Whether to apply for a credit card depends on your personal consumption needs. If you need an overdraft, you will need to apply for a credit card.
Benefits of applying for a credit card: 1. Free remittance function: Parents can deposit cash in other places with the card number and withdraw money locally without paying any handling fees. 2. Spend first and repay later: After swiping your card to make a purchase, the bank will collect payment from you 20 days later, and no interest or fees will be required during this period. 3. Installment shopping: When purchasing large-ticket items such as your favorite computer, you can apply for credit card installment payment, with terms ranging from 3 months to 24 months. 4. Establish a credit record: A good credit record will facilitate future housing loans or other consumer loans. 5. Temporarily increase the overdraft limit: In this regard, all banks have the function of temporarily increasing the overdraft limit during this period. Note: Pay attention to repay the debt on time.
The first benefit is to increase our credit cards. I think we can’t avoid dealing with banks in our lives. When buying a house or a car, we can’t avoid taking a bank loan. Banks are very difficult for novice users. It is difficult for novice users to get loans because they have no experience in banks and have no experience with banks. It is very difficult for such users to apply for bank loans. If you have a credit card, have good card usage habits, and repay the loan on time every time, such a customer will have a good credit record and will be more careful than a credit novice when applying for a loan at the bank. Easy to handle.
The second benefit is credit card benefits. Credit card repayments within the interest-free period do not incur any fees. There is an annual fee, and most credit cards can be used as many times as you want. There is no fee. On the contrary, when you use a credit card to make purchases, you can also get points given by the bank. The given credit card points can be exchanged for various gifts in the credit card points mall of each bank. There are also various kinds of gifts when paying with a credit card. Special promotion, this wool is really neither white nor squeaky.
The third benefit is emergency use. Everyone knows that it is difficult to borrow money in this era. When you really need money, you will find that it is really difficult to borrow money. At this time, if you have a credit card If you use it, you can solve the urgent need very well. At this time, the credit card will really help a lot