以下主要從信用卡使用後的影響上面來談論利與弊，要點包括了過度消費危害和信用卡折扣等，具體如下：
Disadvantages of credit card use: it is easy for people to overspend. Once the money becomes digital, when we spend it, it is often more generous than spending money. Poor control will cause you to make ends meet; if you don't make repayments on time, high interest will be generated and your credit history will also be affected. Will increase the financial burden and the inconvenience of future personal loans.
信用卡使用弊端：容易讓人過度消費，壹旦錢變成了數字，我們花的時候，往往比花鈔票更大方。控制不好，會造成入不敷出；如果沒有按時還款，會產生高額的利息，還會影響妳的信用記錄。會增加經濟負擔和以後個人貸款的不便。
If a credit card is not swiped enough times every year, an annual fee will be incurred, and credit card withdrawals will be charged a handling fee.
信用卡如果每年刷不夠次數會產生年費，信用卡提現是要收手續費的。
Credit card is good: when you use a credit card, you can enjoy discounts from partner merchants, such as Starbucks and other food discounts launched by China Merchants Bank; credit cards are safer, and general credit card withdrawals have a certain limit, such as Bank of Communications is 50% of your opening limit . There is no danger of having a password. Even if the password is lost, the loss is within a certain range.
信用卡好的地方：用信用卡消費，可以享受到合作商戶給的折扣，比如招行推出的星巴克等美食折扣等；信用卡更安全，壹般信用卡取現是有壹定額度的，比如交行是妳開通額度的50%。有密碼壹般不會有危險，即便丟失被破解密碼，損失也在壹定的範圍內。
Credit cards can temporarily alleviate economic difficulties. For some people who have short-term financial difficulties, it is tantamount to sending charcoal in the snow. After all, there is no need to put down money and borrow money from others; a good credit history has certain convenience for applying for loans in the future. Get a higher loan amount.
信用卡可以暫時緩解經濟困難，對於壹些短時經濟有困難的人，無異於雪中送炭，畢竟不用放下面子，向別人借錢；良好的信用記錄，對以後申請貸款有壹定的便利，有可能會獲得更高額度的貸款。