1. Eliminate the trouble of carrying cash. Credit card consumption avoids the trouble of paying cash for consumption in the past, and there is no need to worry about the danger of carrying too much cash with you. Users can consume first and then repay, which is helpful when users have insufficient funds.

2. You can participate in various discount activities. Many merchants have cooperated with banks. Consumers can enjoy discounts and other preferential activities when they use the credit card of the corresponding bank to make purchases at merchants. Customers can save money and earn points. Why not? This is why many young people go out now. This is why most people like to use credit cards when spending money outside.

3. Consumption deduction points. When users use credit cards to make purchases, they can often earn points. Each bank has different points conversion standards. Please ask the corresponding bank for details. When a user's points reach a certain level, they can redeem gifts, including things and virtual items, in the points mall on the Credit Card Center website.

The credibility of personal banks has been improved. When we need loans in our lives, banks attach great importance to your creditworthiness. If your credit card creditworthiness has always been very good, it will be very helpful for loans.

4. Online consumption is convenient and fast. Many online shopping malls or Taobao stores have opened credit card payment methods, which caters to consumers' preference for using credit cards for consumption. Although there are no points for online purchases with credit cards, many people like it for its convenient and fast payment method.

5. Financial investment. Generally, the interest-free period of a credit card is about 55 days, which means that consumers do not have to pay any interest to the bank during this period after swiping the card to make a purchase. During this period, some families will use the funds on hand as working capital investment in other businesses. A place where you can manage your finances rationally.

6. Additional preferential treatment. In addition to enjoying discounts, points and other discounts, some bank credit cards also offer additional services. For example, some bank credit cards allow you to enjoy free car wash services at designated places at fixed times every week, or some bank credit cards offer free insurance services. Is it a good deal?

7. No geographical restrictions on use . Credit cards can be used across the country, and some can even be used directly in foreign countries. Cards can be used to make purchases at any ATM or POS machine marked with the UnionPay logo.

The above are the advantages of using a credit card.