For example, compared with debit cards, I personally think it has the following advantages:

1, you can get points by swiping a credit card, and you can get certain points to redeem gifts or air miles;

Some credit cards can be discounted in some places. For example, ICBC credit cards will regularly postpone the store information that can be discounted;

3. If you can't make a temporary cash flow, using a credit card is equivalent to a small interest-free loan. As long as the repayment is made in the final repayment period, there is no need to pay interest. In the current situation of raising interest rates, this has certain advantages.

4. At present, most credit cards can be exempted from the annual fee by swiping the card several times, while debit cards still have to pay the annual fee 10 yuan.

5. If you have VISA or MasterCard in your credit card, you can swipe your card directly abroad and directly convert it into RMB according to the exchange rate at that time, which saves you the trouble of queuing at the bank to exchange foreign currency (debit cards cannot be used in many places abroad).