1. Uses: As one of the modern financial tools, credit cards provide consumers with convenient and flexible payment methods. Their main uses include overdraft consumption, accumulated points, cash advances, etc.

2. Benefits: Credit cards can make purchases and payments without the need to carry cash, especially when traveling abroad, avoiding the trouble of exchanging foreign currency. Many credit cards provide point accumulation programs, and consumers can Earn points for your purchases and redeem them for future gifts, travel offers or cash back.

3. Disadvantages: Failure to pay off credit card debts in time will generate high interest and late fees, which will lead to accumulation of debt in the long run. The convenience of credit cards leads consumers to overspend and fall into debt distress.