A brief introduction to the advantages and disadvantages of using credit cards is as follows:

1. Advantages of using credit cards:

1. You can overdraft consumption without depositing, and you can enjoy a certain period of time interest-free period;

2. It is safe and convenient to use credit cards to make purchases, and you can also accumulate points by swiping your credit cards;

3. You can enjoy discounts when swiping your cards at the bank's special merchants;

4. Accumulate personal credit and form a good credit record;

5. It is accessible nationwide and can withdraw cash or spend money at ATMs and POS machines with the UnionPay logo.

2. Disadvantages of using credit cards:

1. If there is no plan, using a credit card to overdraft consumption can easily lead to blind consumption;

2. If you cannot pay back on time Payments will cause overdue records and affect personal credit.