Applying for a credit card can establish your own credit record. If you use it correctly and repay it on time, you can add points to your credit record. This will be of great benefit to future loans, housing loans, car loans, etc. For those who do not have For those with credit records, there will be no extra points, and bank approval will be more conservative.

The advantage of not applying is that it varies from person to person. The main thing is "not bad money"~~~How much do you earn? How much you spend is for peace of mind. The rest is nothing.

However, I always find your question very strange. If you ask "What are the benefits of getting a credit card", it is easy to understand, but if you ask "No "What are the benefits of getting a credit card?" Where do people start? Credit cards have only appeared in China for more than 10 years. There were no credit cards before, so what are the disadvantages of them? Nowadays, most people do not have credit cards, and they have not applied for one. , what are their benefits? If you think about it, you will understand the benefits of not having a credit card.