Why should I apply for a credit card? What are the benefits?

Many cardholders have always stayed away from credit cards, especially when they saw those "XXX overdrawn their credit cards and were unable to repay them and were sentenced to prison" "," and "someone came to apply for a credit card and the credit card was stolen" and other negative news, which makes people feel that they should not apply for a credit card.

In fact, credit cards are not a scourge. A large part of the reason for these negative news is due to problems with cardholders. It has nothing to do with the credit card itself. There is no need to reject credit cards.

You know, for many people, the advantages of holding a credit card outweigh the disadvantages. Let’s introduce to you why you should use a credit card and how to choose the right credit card.

Analysis of the three major benefits of credit cards:

1. Accumulated credit: People who have never dealt with a bank will have a blank record in the central bank’s credit reporting system. If you want to change this situation, start by using a credit card. As long as you apply for a credit card, swipe the card frequently and repay it on time, you can establish good personal credit, which will be very beneficial for handling bank-related business in the future.

2. Save money: Credit cards can be used for overdraft consumption, but don’t be blind when swiping your card. It is best to understand clearly what discounts you can enjoy with your credit card, so that you can save money by swiping your card. For example, if you apply for a Bank of Communications credit card, you can participate in the "Redtest Friday" event and get a refund of card swiping points by swiping your card in supermarkets.

3. Temporary emergency: For example, if your laptop is lost, you must buy a computer immediately because of work needs, but you have no savings. If you want to buy a computer, you can only borrow money from someone. If you have a credit card, you can swipe the card to buy a computer immediately, and you can also choose to repay in installments to relieve stress. All in all, having a credit card with a certain limit can make you more prepared when facing emergencies.

The benefits of credit cards are not limited to the above three points, so I will not introduce them one by one. You can experience them yourself during the process of using the card.

Why should you apply for a credit card? These points are key!

Although many people like to spend in advance, there are still many people who maintain a good habit of spending within their own ability. So for these people, credit cards are no longer needed. Woolen cloth? Today, let’s briefly talk about the reasons why you should apply for a credit card. If you are interested, you can learn about it.

1. Why should you apply for a credit card?

1. Unexpected needs: It is difficult to guarantee that there will be no unforeseen circumstances, so it is more convenient if you have a credit card in hand. You can swipe the card for daily necessities, food, housing, transportation and entertainment, and you can also enjoy various discounts. Furthermore, as long as you use it reasonably, you can not only get an interest-free period of about 50 to 60 days, but there is also no fee for normal repayment, and there is no loss to the user. And many banks have a policy of waiving annual fees for the first year, and waiving annual fees for the following year if you make XX card transactions.

2. Credit issues: It doesn’t mean that you are a high-quality customer if you don’t do any credit business. This kind of people are called “white households”. After white households, you want to apply for a car loan or a house loan. More difficult. After all, banks and financial institutions don’t know your repayment ability or your personal credit, so the hidden risks you need to bear are huge and they are likely to refuse to approve the loan. For ordinary people, buying a house or a car is usually through a mortgage. If the loan cannot be approved because of your white household status, it will be troublesome.

The above is the answer to "Why should I apply for a credit card?" I hope it will be helpful to everyone. In general, credit cards still play a very important role in our daily consumption and financial lives. Therefore, you can try to get one if you ensure that you have the ability to repay.

Why use a credit card?

Credit cards have many benefits. For the general public, the biggest benefit of credit cards is that they can consume in advance and pay off the debt the next month.

For example, if you don't have money temporarily, but you see something you are interested in or want to buy for a limited time, you can swipe your credit card, buy the thing first, and then pay back the money after your salary is paid next month. In this way, you don’t have to miss the promotion period and you can get the items in advance. Why not?

In addition, if you are tight on money and need a large sum of money urgently, you can directly pay for it on your credit card instead of borrowing from relatives and friends. It is always better to borrow money from the bank than to borrow money from relatives and friends. Moreover, if you can pay back the money within the interest-free period, there will be no loss at all. Even after the interest-free period, there is no big loss in paying back some interest, because borrowing money from relatives and friends also requires interest.

In addition, using a credit card can accumulate personal credit. If the cardholder repays in a timely manner and has no bad records such as overdue payments or debt arrears, good personal credit can improve the loan success rate when applying for a loan in the future.

Credit cards also have another advantage that cannot be replaced by debit cards, that is, it is very convenient to spend abroad. The debit cards we usually use cannot be used for overseas purchases, but credit cards can be used directly overseas. Of course, this kind of credit card is also quite special, it is an international credit card. If necessary, you can apply for one in advance.

Also, spending with a credit card will generate points. When these points reach a certain amount, they can be redeemed for various discounts. The most common ones are movie tickets, Starbucks and hotel coupons, and video membership redemptions. Vouchers, etc., the rewards for redeeming credit card points from each bank are different. This is an additional benefit only available to those using a credit card, and does not require any money to be paid.

So it is very convenient to apply for a credit card. Not only does it allow you to spend money abroad as you like, but you can also get small surprises occasionally. The most important thing is that you have enough spare funds when you need money.

Let’s stop here for an introduction to why we need a credit card.