The advantage of using a credit card is that it is easy to use and carry, and it can be used for overdraft emergency, and the points can be exchanged for gifts. The disadvantage is that it can stimulate consumption, which may make people spend a lot of money, may overdraw and become a slave or even go to jail, and careless use of the card will have a bad credit record that will affect their work and life, and there is also the risk of being stolen.