#4. Funding for emergencies.

#4. 为紧急情况提供资金

While not the best option for covering an emergency, a credit card can help you cover an unexpected expense if you can't afford to pay it from savings.

虽然信用卡不是应对紧急情况的最佳选择，但如果你实在无法从存款中支付，信用卡可以帮助你应付意外开支。

#5. Ability to earn rewards that can be used for cash, gift cards, miles, or other merchandise.

#5. 能够赚取现金奖励，礼品卡，里程，或其他奖励

The more you use your credit card, the more rewards you earn. You can redeem your rewards as you go or save up for a bigger redemption.

你信用卡用得越多，得到的奖励就越多。你可以随时兑换你的奖励，也可以存起来换取更大的奖励。

#6. Ability to finance items for free when you take advantage of interest promotions.

#6. 当有利息优惠的时候你能提前购买更贵的东西

Many credit cards come with 0% interest on purchases and balance transfers for an introductory period of at least six months. This gives you the convenient ability to pay off your balance over time without incurring an extra cost for the convenience.

许多信用卡在至少六个月的免息期内，买东西和余额转账都不用利息。这使你能够在不增加额外费用的情况下，延后一点还清账单。

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