Credit cards are also called credit cards. In terms of financial functions, they include consumption first and repayment later. The credit limit can be recycled. You can pay in installments, exchange points for gifts, etc. Use the card compliantly and rationally. Pay back on time. You can use the card from You can get a lot of happiness from credit cards. Credit cards themselves are a financial tool that can be used to realize present wishes with future money. However, if the card is not used well and overdue credit records are abnormal, it will indeed affect a person's life. Large purchases can help you save money and help you recycle funds, etc., but they must be within the credit limit and must be returned within the interest-free period. The disadvantage is that it can easily lead to impulsive consumption or hand-picking. It must be treated rationally, otherwise it is easy to become a moonlight tribe.