Credit cards are a good thing.

Top 10 benefits of credit cards:

1. Owe less favors

When you are in urgent need of cash to meet an urgent need, you will inevitably feel embarrassed to ask your relatives and friends.

3. Clean and hygienic

Cash flow is large, and there are many bacteria on coins. However, credit cards are only touched by you and the cashier. If they are dirty, you can clean them.

5. Convenience

For international credit cards such as VISA, you can directly swipe the card for consumption abroad, while debit cards or cash must be exchanged first.

7. Accumulate personal credit history

Using more credit cards and repaying them in full on time can improve your credit limit and credit rating.

9. Convenient financial management

After the credit card statement date, we will receive a detailed statement of consumption in paper or email form.

2. Relatively safe

You can bring less cash when you go out. If your credit card is stolen or lost, we can report the loss as soon as we find it.

4. Save money

Many banks’ credit cards have cooperation or promotions with merchants. For example, you can get cash back if you swipe the card as much as you want.

6. Relieve financial pressure

If you have a certain financial pressure to pay a large amount at once, you can use a credit card to pay in installments and enjoy your favorite items in advance.

8. Apply for supplementary cards

If you apply for supplementary cards for your family members, you can basically understand their financial status such as consumption expenditures.

10. Additional benefits

Some credit cards also provide free insurance, car washing, airport VIP lounge services, points exchange for flights and gasoline, etc.