Convenient and safe to carry. 1) Within the credit limit of a credit card, you can overdraw and borrow bank funds to reduce the payment pressure; 2) Credit cards have an interest-free period. If there is insufficient funds at the time of repayment, full repayment on the repayment date after overdraft can reduce the interest expense of the loan; If the funds are sufficient when swiping the card, the corresponding funds can earn extra interest income during the interest-free period after overdraft. 3) Credit cards of some banks also have car purchase points. Overdraft funds within the credit line and cash deposited in advance outside the credit line will earn points by swiping the card. Tens of thousands of yuan/hundreds of thousands of yuan of car trading points, redemption of gifts can also have some additional benefits. 4) It is easier to buy a car by installment with a credit card than with a cash or debit card loan. If you buy a car by credit card, even if you pay by installment, you don't need to mortgage the car (unlike mortgage to buy a house/car), so the car purchase invoice should be directly handed over to the owner.