In the process of using a credit card, you have the following main benefits:

1. One card is interest-free

The longest interest-free repayment period is 56 months Today, cardholders can use their credit cards to make purchases and use their spare money for financial investment.

2. Checkout and repayment date

Many people are confused about the use of credit cards, thinking that the credit card repayment will not be recognized by the bank until the repayment date. Effective, but you don’t know that you can repay after the bill date comes out. When the bill date comes out, the repayment buffer period is 18-26 days. Cardholders can repay during this period.

3. Points

After using the card for consumption, the bank will give the cardholder a consumption point. This is the same as the supermarket giving the cardholder a consumption point. When the cardholder After accumulating a certain amount of points, they can use the points to redeem gifts in the bank's application. Some banks can also deduct the credit card installment fee.

4. Credit card rights

Each bank credit card has different card types, usually regular cards, gold cards, platinum cards, etc., while Meituan, Taobao, etc. Card types are divided into co-branded cards, gas cards, constellation cards, etc. Different card types have different rights and interests.

Therefore, when we apply for a credit card, we must first understand the credit card rights of each bank. It is best to apply for the rights that you can use. For example, if you are just a white-collar worker, don't apply for a credit card with a high annual fee. , the rights and interests inside can hardly be used by themselves, which is equivalent to a waste.