1. Overdraft can be said to be the biggest feature of credit cards. You can overdraw consumption without deposit, and you can enjoy an interest-free period of 25-56 days. There is no interest on repayment on time.

2. When you need to buy big things, such as laptops, cars, etc. because of your life or work, you can choose to apply for installment payment by credit card, so as to relieve some financial pressure, but you have to bear certain interest.

3. Credit cards make life more convenient. Whether you go to the supermarket to buy daily necessities or buy clothes and shoes in the mall, you can just swipe them directly with credit cards. International credit cards, such as VISA, can be used directly in foreign countries, while savings cards or cash must be exchanged for foreign currency first.

4. Many banks' credit cards have cooperation or promotion with merchants, for example, there are preferential activities to return cash when the amount is full.