Benefits of credit cards: It can relieve financial pressure; online consumption is convenient and fast; it can accumulate personal credit history. You can increase your credit limit by using a credit card and paying off your balance on time.

You can save money. Many banks' credit cards cooperate with merchants. For example, you can get cash back discounts for every amount you swipe with the card. There are discounts for eating, watching movies, supermarket shopping, gas, car washes, etc. In addition, credit card points can also be redeemed for some daily life items. There are also some gifts and even some lottery activities, and the points can be used as money.

Relieve financial stress. Sometimes there is an urgent need for money, and a large one-time payment will put a certain amount of financial pressure on you. If you have a credit card, you can use it to pay in installments and enjoy your favorite items in advance. The remaining money in your hand can also be used for daily expenses. and turnover.

Online consumption is convenient and fast. Many online shopping malls or Taobao stores have opened credit card payment methods, which caters to consumers' preference for using credit cards for consumption. Although there are no points for online purchases with credit cards, many people like it for its convenient and fast payment method.

Accumulate personal credit history. Even if you don’t have big cash flow needs, you still have to spend money on a daily basis. If you use more credit cards and repay them on time and in full, you can increase your credit limit and credibility. You will have a good credit report in the Personal Credit Information Database of the People’s Bank of China. Once it is recorded, it will be much easier to get approval for a loan to buy a house or a car in the future.