1, Advantages: avoid carrying a lot of cash, the consumption points can be converted into gifts, understand the consumption habits through the consumption bill, control consumption, make money by using the interest-free period, use credit cards for daily consumption, and buy low-risk and liquid wealth management products in cash, so as to obtain interest income quickly and deal with emergencies conveniently. When the repayment record is good, the credit rating can be improved.

2. Disadvantages: it is easy for people to have no planning, no sense of crisis, strong dependence on credit cards, resulting in unnecessary impulsive consumption, inclined to buy luxury goods, beyond the actual purchasing power, afraid to give up work, miss the opportunity to try, and unable to save savings for paying back credit cards.