Expand it: the benefits of credit cards, first of all, you can enjoy many preferential policies brought by credit cards, and credit cards in major supermarkets have corresponding preferential policies. At the same time, it also avoids carrying a lot of cash out of the house, which is very convenient and fast, and there will be no danger caused by carrying a lot of cash. You can also enjoy a way of spending first and then repaying, which can temporarily solve the financial difficulties of cardholders.

Every coin has its two sides. His disadvantage is that credit cards have corresponding repayment dates in every bank, so credit cards are very convenient and fast to use. However, if you don't pay off the arrears before the repayment date, you need to pay a high late fee and bank interest. The virtual sense of credit card consumption is also the biggest drawback of credit cards. So that people do not lack a specific concept of consumption and cannot restrain their desire to spend money. Coupled with various repayment methods such as installment repayment and minimum repayment amount, many people finally went to the road of overdue repayment. Therefore, I still hope that everyone can use credit cards better and more reasonably, instead of blindly spending and losing credibility.