Credit card is every sum of money we use, which is actually a bank loan. The use of this money depends entirely on our personal credit, so we don't save money. Accordingly, the premise of using bank cards is that we save money. Only when there is money on the card can we spend or do other things.

For banks, issuing credit cards is a big business, because if there is consumption, there is financing, and banks with financing can make money from this link. Similarly, some consumers' unhealthy operation methods will also lead to overdue and annual credit card fees, and banks can also make money through this link. Of course, for individuals, reasonable use of credit cards can enjoy many benefits. At the same time, it can also help us develop good consumption habits.