There are people who love credit cards and people who hate them. People on both sides of the credit card fence have a point. If you're trying to decide whether to get a credit card or whether to nix credit cards altogether, consider these pros and cons.
有的人喜欢信用卡,也有的人讨厌信用卡。信用卡交易双方的人都有自己的观点。如果你正在纠结是办还是不办信用卡,请参考一下这些优缺点。
The Pros of Credit Cards
信用卡的优点
#1. Faster to use.
#1. 使用起来更快捷
Compared to cash, credit cards are much faster to use. Swipe your card and you're done in seconds.
与现金支付相比,刷信用卡的速度要快得多。刷卡,几秒钟就可以搞定了。
#2. Ability to pay in installments.
#2. 能够分期付款。
While it's best to pay your credit card balance in full each month, you do have the ability to pay off your balance over a period of time.
虽然你最好每个月都付清你的信用卡账单,但你也可以选择在一段时间内分次还清。
#3. The credit boost.
#3. 信贷增长。
If used correctly–making your payments on time and keeping your balance low–credit cards help you build a good credit score that you can use to qualify for a mortgage or auto loan.
如果使用得当——按时还款和保持低余额——使用信用卡可以帮助你建立一个良好的信用评分,你可以用它来申请抵押贷款或汽车贷款。
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