Using credit cards for consumption has both advantages and disadvantages, depending on personal card usage habits and consumption attitudes.

Benefits:

1. Convenient and fast: using a credit card is more convenient and faster than paying with cash. You can enjoy preferential activities and reward points by swiping your card, and you can also achieve cashless consumption;

2. Deferred payment: Credit cards can deferred payment for consumption, reducing temporary financial pressure;

3. High-amount loans: Credit cards provide high-amount loans, which can solve urgent problems consumer demand.

Disadvantages:

1. High interest: The unpaid consumption amount on the credit card requires high late fees, interest and service fees. Failure to repay in time will result in arrears. More and more payments are being made;

2. Adverse effects: Underpayment, overdue or forgotten credit card repayments will have a negative impact on personal credit records;

3. Consumption propensity : Credit cards tend to make people ignore their actual spending power, leading to over-consumption or overspending.

Therefore, you should pay more attention when using credit cards to consume, strictly control your consumption behavior, repay your loans in a timely manner, and ensure a good credit record.