1. Since all credit cards have an interest-free period, spending by credit card is equivalent to borrowing money from the bank and paying back the principal in a few days, so theoretically you can earn interest for these dozens of days.

2. It is useful when money is tight and you need to buy things urgently (for example, during the Spring Festival, there is a special sale of home appliances).

Dual-currency credit card is very convenient to use abroad, which is safer than carrying a lot of cash.

Due to the promotion of credit cards, there are often some discounts.

The so-called credit accumulation, although I think China is still far from the credit system, the current credit accumulation may not be of any use, but it is better than nothing, which is a kind of income.

Not good:

1. In borrow money to spend, it is possible that we have overspent and haven't spent it all.

2. swiping a card instead of throwing a hard punch card is easy to make people lavish (varies from person to person)

3. Using a credit card requires costs (storage, card replacement, annual fee, etc.). In fact, many banks are free of annual fees at present.)

Theoretically, if deflation occurs, there will be losses (extremely unlikely).