At present, whether it is state-owned banks or commercial banks (investment promotion, transportation, Guangfa, people's livelihood, etc.). ) You can enjoy VIP services at airports at home and abroad only if you have corresponding high-grade credit cards, such as Bai Qilin for transportation, AE Bai for Pudong Development and Classic Bai for investment promotion. This kind of bank card basically has a rigid annual fee.

Advantages and disadvantages of credit cards

1. Users can enjoy many preferential policies brought by credit cards first, and there are also corresponding discounts for spending by swiping their cards in major stores. At the same time, it also avoids carrying a lot of cash out of the house, which is very convenient and fast, and there will be no danger caused by carrying a lot of cash. You can also enjoy a way of spending first and then repaying, which can temporarily solve the financial difficulties of cardholders.

2. However, it is precisely because credit cards do not give people a sense of virtuality and enjoyment like cash, so people are often less cautious when using credit cards than when using cash, which leads some people to spend money lavishly and have no practical concept, resulting in some blind consumption of money like running water.

3. At the last critical moment, I found that I owed a lot of money, causing a vicious circle, and even robbing Peter to pay Paul, which ultimately affected my personal credit record.

We all know that credit cards have corresponding repayment dates in every bank, so credit cards are very convenient and fast to use. However, if you don't pay off the arrears before the repayment date, you need to pay a high late fee and bank interest. The virtual sense of credit card consumption is also the biggest drawback of credit cards. It makes people not lack specific concepts about consumption, and can't restrain their desire to spend money. Coupled with various repayment methods such as installment repayment and minimum repayment amount, many people are overdue. I have to say that credit cards have brought a lot of convenience to our lives. When you use credit cards in major supermarkets, you will also get corresponding virtual points to exchange various goods.

However, it is undeniable that the emergence of credit cards also has many disadvantages, which makes many people unable to control their consumption desires and even commit crimes. Therefore, I still hope that everyone can use credit cards better and more reasonably, instead of blindly spending and losing credibility.