1. Credit card benefits: You can participate in various discounts. Many merchants have cooperated with banks. Consumers can enjoy discounts and other preferential activities when they use the credit card of the corresponding bank to make purchases at merchants. Customers can save money and earn points. Why not? This is why many young people go out now. This is why most people like to use credit cards when spending money outside. Consumption deduction points. When users use credit cards to make purchases, they can often earn points. Each bank has different points conversion standards. Please ask the corresponding bank for details. When a user's points reach a certain level, they can redeem gifts, including things and virtual items, in the points mall on the Credit Card Center website.

2. Disadvantages of credit cards: irrational consumption. Precisely because credit cards are very convenient and fast to use, they don’t look like banknotes that are spent one by one and make you feel distressed. Some irrational consumers tend to consume blindly, spend money like water, and regret it when they finally repay. The interest rate is high. Everyone knows that every bank's credit card has a repayment date. If the user fails to pay off the current balance before the final repayment date, he or she will need to pay interest and late fees to the bank.