Many young people actually start applying for credit cards when they are in college, but why do more and more young people like to use credit cards? In fact, there are several reasons.

1. Convenience

When you don’t have enough cash, you can use your credit card without losing face or accumulating cash. And it is not easy to lose, so it will be safer. So it’s better to have cash when you go out.

2. You can enjoy the interest-free period of up to 50 days.

So you can put your own money into a financial account, which is the so-called "money begets money". 1 yuan in your hand today is worth more than 1 yuan in your hand tomorrow. Then I use my credit card for daily expenses.

3. Enjoy discounts in major consumption places

For example, when we shop and eat at special merchants of the card-holding bank, we can also enjoy discounts and discounts. , which is a function that cash and debit cards cannot achieve.

4. Accumulate personal credit

Whether it is a credit card or our current Huabei or Borrower, these are actually related to our credit report, and a good credit card usage record It has a great impact on your personal credit and will benefit you throughout your life. You will rely on this credit when dealing with banks in the future.

5. Convenient accounting

Replace most cash consumption with credit card payments, then the bank statement can basically record most of the consumption. Because many of our accounting apps now automatically synchronize our credit card bills, consumption bills are relatively clear.