Benefits: 1. Convenient payment: Using a credit card to swipe your payment can result in quick settlement, while using cash to make your payment will entail the risk of fund management.

2. Free use of consumption quota: You can purchase with a credit card in the current month and pay it back in the next month. As long as all outstanding balances are settled on the billing date, you do not need to pay additional fees.

3. Convenient repayment: There are many repayment methods for credit cards. You can choose the repayment method yourself. You can also set up automatic credit card repayment.

4. There are many preferential activities: Credit card issuing banks will cooperate with some merchants and launch some consumer preferential activities from time to time.

5. Points redemption rights: The amount spent with a credit card will be accumulated into points, and credit card points can be used to redeem various rights and interests.

6. Maintain personal credit: Timely credit card repayment records are conducive to maintaining personal credit and improving personal credit. When applying for home loans, car loans, and other loans, it can be a big help in getting approved.

Disadvantages: 1. Credit cards can easily lead to over-consumption.

3. Credit card debt can cause mental stress.

5. Credit cards can lead to out-of-control debt.

6. Emergency financing can easily turn into long-term debt.