The reasons are as follows: \x0d\1. The initial limit of 5,000 is relatively small, but this limit will increase greatly within one or two years as you use it. For my two cards, it went from more than 20,000 to The current ones are 52,800 and 48,000;\x0d\2. Credit cards have an interest-free period of about 50 days, which means that you swipe the card to do the work first, and you can pay the bill after a few dozen days;\x0d\3. I often travel on business , it is more convenient to bring a card than cash. A debit card is used for current value, while a credit card is used for future value. Now I basically never use a debit card for consumption, it is mostly a credit card;\x0d\4. About repayment , if you use cash, you have to go to the bank frequently to withdraw money, but a credit card saves you this trouble; you can bind a debit card with frequent deposits to automatically repay, so that there is no trouble; at the same time, you can set up text message reminders to remind you of the repayment. The bank will automatically send you a message beforehand; \x0d\5, when your limit reaches a certain level, the bank will often provide you with loan information. For example, if the stock market is about to bottom out and there is a product available, the bank will generally provide you with the entire card limit. , or even provide you with a loan that exceeds the limit of your credit card, then you can use leverage to make money. However, you should be cautious with this function, because it is very stressful and you will be miserable if you lose; you must choose a good term, because this thing is based on the entire If the contract is interest-bearing, early repayment must be repaid in full with interest as stipulated in the contract; \x0d\ Summary: Mainly for convenience, sometimes I forget to bring cash, so this thing is quite useful! I spent all my money while traveling in Yangshuo. The cash I drew from the bank later saved my life, haha