To put it simply, a credit card is a small loan from a bank. It lends you money ranging from thousands to tens of thousands through your good credit record. You are repaying it, which is actually equivalent to loan.

The advantage is that you can use tomorrow’s money to do what you do today, and there will also be points that can be exchanged for special offers from various banks at a discount, or you can exchange them directly, and you can purchase goods in installments.

However, I personally suggest that you must have sufficient repayment ability before considering the issue of applying for a card. Failure to repay on time will have an impact on your credit. I hope you can use it reasonably according to your actual situation and become a helper in your life instead of a burden, otherwise you will really become a "card slave".