1. You can overdraw, and you can use your credit card to spend or withdraw cash when the funds are insufficient.

2. Enjoy the convenience of installment, and you can pay it back slowly in installments after large consumption.

3. It is convenient to travel and enjoy preferential treatment. At present, there are many kinds of credit cards, some of which have the function of taking the subway bus, some of which have discounts for booking air tickets and some of which are convenient for changing foreign exchange abroad.

4. Facilitate financial investment. The maximum interest-free period of a credit card is 56 days. During the interest-free period, users do not have to pay interest, and users can invest their own money.

5. points for goods. Generally, credit card spending has points, which can be used for shopping in the bank integral mall.

Second, the disadvantages of handling credit cards:

1. Credit information will be collected at the meeting after handling the credit card. Once the credit card is overdue, there will be overdue records on the credit information, which will affect the credit.

2. It will be stolen. If the credit card is stolen by others, it is easy to be stolen and cause losses to yourself.

3. Make your consumption irrational. When you use a credit card, you don't have to pay back the money immediately. If it is returned next month, it will easily lead to blind consumption.

Credit card is a very good micro-financing tool, with low interest rate, on call, plug and play;

1, overdraft consumption

Credit card is a kind of credit financial tool, so as long as it is a credit card, it has the function of overdraft consumption and can enjoy interest-free period. As long as the repayment is made before the repayment date, the bank will not charge any interest. If there is a shortage of funds, users can also apply for bill installment and minimum repayment amount. This function is really good.

Step 2 accumulate points

As long as the general credit card can accumulate points, the points can be exchanged for goods, coupons, mileage, annual credit fees and even cash. This function is deeply loved by credit card users, especially Card God and Wool Party. To be exact, these are all given for nothing, not for nothing.

3. Capital turnover

You can use a credit card for daily consumption. But if capital turnover is really needed, credit cards can also be cashed out. Although the cost is relatively high, it can really solve everyone's urgent needs. Let's briefly talk about the handling fee and interest of credit card withdrawal:

The cash withdrawal fee varies from bank to bank. Generally, it is charged at 1%-3% of the cash withdrawal amount, and the interest is charged at 0.05% per day, starting from the moment of cash withdrawal. In addition, there is another fee for withdrawing cash by credit card, which is overdue interest. At present, most banks do not support installment and minimum repayment amount, which needs to be paid off in the current bill. If it is overdue, they will be charged an overdue fee.

According to different classification standards, credit cards are mainly divided into the following categories:

(1) According to credit card issuers, it can be divided into bank cards and non-bank cards;

(2) According to the storage medium of credit card information, it can be divided into magnetic stripe card and chip card;

(3) According to different payment methods, it can be divided into: credit card, quasi-credit card and debit card;

(4) According to different settlement currencies of credit cards, they can be divided into foreign currency cards and local currency cards;

(5) According to the different circulation scope, it can be divided into international cards and regional cards;

(6) According to the number of credit card accounts, it can be divided into single-currency credit cards and dual-currency credit cards;

(7) According to the affiliation of credit cards, they can be divided into main cards and subsidiary cards;

(8) According to different credit card issuers, it can be divided into corporate cards and personal cards;

(9) According to the credit status and credit status of cardholders, it can be divided into unlimited cards, platinum cards, gold cards and ordinary cards;

(10) According to the different shapes of credit cards, they can be divided into standard credit cards and irregular credit cards.