Credit cards have the advantages of convenient card consumption, credit consumption, bill installments, and flexible repayment. They can provide greater convenience and liquidity for consumption, but at the same time, you need to be alert to the following issues:

It is easy to breed bad consumption habits: Credit cards can bring the convenience of credit consumption, but if they are overused, they can easily breed bad consumption habits.

High interest and penalties: If you pay off your credit card overdue, you will face high interest and penalties, which will put a certain amount of pressure and burden on your personal finances.

Security risks: Credit card accounts may have security risks such as theft and information leakage. Once security problems occur, it will cause heavy losses to personal finances and credit.

Affect on credit record: If there is overdue repayment or excessive consumption on the credit card account, it will have an irreversible impact on the personal credit record.

In summary, if you use it carefully, plan the amount of credit for yourself, repay on time and do not abuse credit cards, credit cards are still a convenient and useful financial tool. Otherwise, you should try to avoid using them.