You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

Second, the disadvantages of credit cards:

Blind consumption. Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water.

Excessive consumption. Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether you can repay them.

Interest is high. If you can't take care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge you high interest.