Benefits 1. Hygiene. Credit cards don't circulate among people like money and are touched by many people, but they can be disinfected even if they are dirty. So it's hygienic.

2. There are discounts. Generally, banks will cooperate with merchants in sales promotion, such as credit card refund or discount.

3. It is convenient to know your own consumption. No matter what you buy, as long as it is a credit card, there will be a credit card consumption detail in the form of paper or email.

Disadvantages: 1. It is easy to be stolen. If the credit card is paid without password, it may cause economic losses if it is lost.

2. It is easy to spend blindly, because credit cards are not like buying things with money. For example, if you buy a large amount of things, you need a large stack of money, while credit cards only need a little effort, which will lead to a situation of spending money like water.

3. High annual fee. There are three grades of credit cards: ordinary card, platinum card (diamond card) and gold card. The annual fee of credit card changes with the change of credit card grade. The higher the grade, the higher the annual fee. Even if there is a consumption reduction and exemption policy, the procedures are very locked, so many people will have some difficulties in completing it.