1, save the trouble of carrying cash.

2. You can participate in various discount activities.

3. Deduct points for consumption.

Disadvantages:

1. Credit cards encourage personal consumption, which may increase personal unnecessary liabilities. Because I have a credit card, I may not consider my income ability and spend a lot on impulse.

2. Credit card bills are easy to forget and affect personal credit records. Some people may forget to return a credit card, not to mention those who apply for more credit cards.

3. Credit cards can be used without small secret payment or even transaction password, resulting in theft.