There are other reasons for applying for a credit card:
1, which supports interest-free overdraft. Credit cards can enjoy the pleasure of spending in advance and have a certain interest-free period. As long as the cardholder pays off the debt before the final repayment date, there is no need to pay any fees. For card friends who are short of funds, its role is more prominent.
2. Preferences and rights. In addition to the basic functions of credit cards, the credit card application platform will also launch various preferential activities from time to time, such as cash back for car owners' cards and cash back for foreign currency cards in consumption abroad. In addition, there are credit card points accumulated by consumption, which can be converted into gifts or directly offset the consumption amount.
3. Annual fee discount. When you apply for a credit card, you need to bear a certain annual fee while enjoying convenient payment and preferential activities. But the annual fee can be offset by the number of swipes or credit card points. As long as the cardholder can guarantee timely and full repayment, he can enjoy the benefits of credit card completely free of charge.
4. Accumulate good credit. After applying for a credit card, you can accumulate a good credit record as long as you maintain good consumption habits and repayment habits and stay away from bad behaviors such as cashing out and overdue credit cards. Moreover, a good credit record is beneficial to the cardholder's future credit business.