The advantages of credit card are: you don't have to carry cash, and you don't have to worry about the small balance in the bank card, so you can spend it in advance and relieve the temporary economic pressure. Before Alipay WeChat payment appeared, there was no handling fee for credit card spending in different places, which was more practical and cost-effective. The use of credit cards in today's society will also help to improve the personal credit value.

Disadvantages of credit card: It is easy to develop the habit of spending more than income. If the cardholder has weak self-control and uses it without restriction when spending, he will be in debt every month, have no savings, become a card slave over time, and then overdue repayment will occur, and his personal credit value will drop.

so the quality of a credit card depends on the cardholder.