Disadvantages of cash: it is risky and inconvenient to carry.
Second, the advantages of inspection:
1, safe. Solve the space obstacle of cash payment in the two places;
2. Credit function. The use of bills can solve the time obstacle of cash payment. Bill itself is not a commodity, it is a written payment voucher based on credit;
3. Payment function. The use of bills can solve the formalities of cash payment. Bills can be transferred many times by endorsement, and become a circulation and payment tool in the market, reducing the use of cash.
Disadvantages of checks:
1, time limit, late payment period will not be accepted by the bank;
2. Cheques can only be used in the same city;
3. The procedure is complicated, and there must be three basic parties: the drawer, the payer and the payee.
3. Advantages of credit cards
1. Suitable for multiple business trips, and it is inconvenient to withdraw money from different places. Therefore, credit cards are often used, including e-tickets, hotels and restaurants, and the pressure of borrowing is much less.
2. Installment payment for bulk shopping. I basically pay for household appliances, mobile phones and laptops by credit card.
3. Business trips and banquets are related to certain businesses, restaurants, air tickets (such as Ctrip and airlines) with credit cards, as well as points discounts (of course, gifts are personal, haha).
4. Consume in advance and pay in installments. When you see something you like, clothes and shoes that your wife likes, buy them at once. Add up the interest for 50 days. A well-off family that has just started is advised not to swipe its card too many times, otherwise it will not see its actual cash flow expenditure.
5. Online credit card consumption. This is not recommended, but some websites are really convenient. It can also be associated, but it should be password protected.
6. Cash withdrawal in different places. Poor families are rich. The taste of having no money in a different place is very uncomfortable. You can withdraw some cash in advance, and of course the handling fee is also very important.
As for the disadvantages, it depends on the repayment ability of consumption. It's best not to be blacklisted, because you have a bad reputation. There is also your own consumption self-control.