one of the advantages: you don't need to carry cash, and you can overdraw. In modern society, finance is highly developed, and people can avoid the trouble of carrying cash by using bank cards. Credit cards naturally have this advantage. With several cards, work, travel and study can help you pay easily, both at home and abroad. Compared with other bank cards, credit cards can be overdrawn, that is, when you can't turn over the funds or don't have enough money on you, the credit limit of credit cards can help you pay in advance, and then you can repay the account on time when it is due, which is equivalent to a temporary loan that can be used at any time. The second advantage of credit card: more preferential activities and more gifts. Credit cards are still in the promotion stage of banks, and there are many opportunities for credit cards to cooperate with merchants, so they can naturally enjoy these benefits, such as various co-branded cards: airline co-branded card points can be exchanged for airline miles, car co-branded cards can enjoy free car wash services, hotel co-branded cards can book hotel discounts, etc. These are all real preferential services in life. In addition, gifts are given when the card is opened, and a large number of gifts are given during the event. Points can also be exchanged for gifts. As long as you are careful, you can exchange them for many favorite small gifts. The third benefit of credit card: it helps you build a good personal credit. In the future, China will follow the footsteps of developed countries and enter the credit economy society. Good personal credit will make you feel at home in social economic activities. A person who has no credit record does not mean that his credit is good. When dealing with financial institutions such as banks, the most important basis for them to judge your personal economic quality and credibility is your personal credit record. Only when you have a good credit record, banks are willing to deal with you and trust you. A very simple example, if your credit record is good, then your chances of applying for a mortgage and car loan will be much higher. The fourth advantage of credit card: enough interest-free period and working capital for investment. Credit cards generally have an interest-free period of up to 55 days. After you overdraw, you can use your cash on hand as working capital to invest in places where you need it more or make investments without paying any interest during this period. Through the rational use of several credit cards, you can basically turn over your daily expenses without paying any interest, and the rest of the money is invested to make money. Of course, you must remember to pay back the account on time to avoid overdue penalty interest. The fifth advantage of credit card: clear consumption bill helps you develop a good habit of rational consumption. The consumption bill of credit card is detailed, and the amount and place of each consumption are specific, so that when you receive the bill every time, you can make a summary of personal financial management according to these bills, which consumption is necessary and which consumption is unreasonable and avoidable, and make plans to correct those bad consumption habits, so that you will naturally develop the habit of rational consumption and help personal financial management to get on the right track.