Flower buds, like credit cards, can be overdrawn and enjoy interest-free period, so many friends will have such questions. Since there are flower beds, do you still need a credit card? In fact, flowers and credit cards have their own advantages, so there is no need to say which one to choose and which not to use. But if you can, you can still get a credit card with flowers.

After all, compared with flowers, the benefits of credit cards are still many. Here are three points:

1, credit card can establish credit:

The use of flower buds will not be reported in the credit report, which leads to the situation that you may have used flower buds for several years, but the credit report is still blank; The application and use of credit cards will be recorded in the credit report, which can help people get rid of the status of white households, and it will be easier to handle bank credit business in the future than the status of white households.

2. Credit cards can provide cash services:

Flower buds can only be consumed, not withdrawn. It is very difficult to cash out through flowers. Credit card is different, it can provide a variety of cash loan services, short-term capital turnover can be cashed out by credit card, long-term capital turnover can be handled by cash installments, and you can also enjoy interest-free period;

3. Credit cards can be used in bonus hunter:

The consumption of flower buds is basically not discounted; Credit card spending can enjoy various preferential activities of cooperative merchants in the bank, and credit card spending can also accumulate points, which can be used to exchange mall gifts and even air miles. Many card gods like to use credit cards to go to bonus hunter.

Summary: In addition to the above points, credit cards have many advantages over flowers. However, the application conditions for credit cards are relatively strict, which will have a direct impact on credit investigation, so if you think it is unnecessary, you can use flower buds.