It is beneficial to apply for a credit card. If you want to apply for it, you can go to the bank to apply for it. Its benefits are as follows:

1. It saves you the trouble of carrying cash. Credit card consumption avoids the trouble of paying cash for consumption in the past. Users can consume first and repay later, which is very helpful when users have insufficient fund turnover.

2. You can participate in various discount activities. Many merchants have cooperated with banks. Consumers can enjoy discounts and other preferential activities when spending money at merchants by bringing their credit card from the corresponding bank.

3. Consumption deduction points. When users use credit cards to make purchases, they can often earn points. Each bank has different points conversion standards. Please ask the corresponding bank for details. When the user's points reach a certain level, they can redeem gifts in the points mall on the credit card center website.

4. Personal bank credibility is improved. When we need loans in our lives, banks attach great importance to your creditworthiness. If your credit card creditworthiness has always been very good, it will be very helpful for loans.

5. 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.

6. Financial investment. Generally, the interest-free period of credit cards is about 55 days, which means that consumers do not have to pay any interest to the bank during this period after swiping the card to make a purchase. During this period, some families will use the funds on hand as working capital investment in other businesses. place, manage finances rationally.

7. Additional preferential treatment. In addition to enjoying discounts, points and other discounts, some bank credit cards also offer additional services. For example, some bank credit cards allow you to enjoy free car wash services at designated places at fixed times every week, or some bank credit cards offer free insurance services.

8. No regional usage restrictions. Credit cards can be used across the country, and some can even be used directly in foreign countries. Cards can be swiped at any ATM or POS machine marked with the UnionPay logo.