信用卡的十大好处
1. 少欠人情
遇到急需现金以解燃眉之急时，如果向亲朋好友难免不好意思开口，这时就可以透支信用卡了
2. 相对安全
消费都尽量刷卡，这样就可以少带现金在身上了，就算被盗或丢失了，损失也可以减小。现金丢了，找回来的可能性微乎其微；但信用卡就不一样了，就算被盗或丢失了，我们发现后第一时间可以挂失，因为每一笔刷卡都有记录 ，追查起来也容易得多
3. 干净卫生
现金流通大，钱币上的细菌就可想而知了，而信用卡除了自己就是几个收银员碰过——就算信用卡脏了，还可以消毒清洁
Your credit card rewards options are almost endless. Get a co-branded card offered in partnership with a hotel chain, clothing retailer or even a nonprofit organization like AARP and you can leverage your everyday spending to earn valuable rewards day in and day out. The trick is to find the card that best fits with your spending patterns. Doing the inverse—altering your spending patterns to fit with a particular card—can be counterproductive. But if you’re already spending money on a regular basis with a certain retailer or have an affinity for a certain hotel, why not use the card that will encourage your continued patronage by offering you enhanced rewards, discounts and perks?
4. 省钱
很多银行的信用卡都有跟商家合作或促销，比如刷卡刷到多少就有返回现金的优惠，又比如看场电影或吃个西餐有个八折或五折的优惠等。另外，信用卡积分还可兑换一些日常生活中的礼品，甚至还有一些抽奖活动。
Cardholders generally earn miles at a rate of one mile per dollar in net purchases, or sometimes one mile per two dollars spent for lower-end card options that have no annual fee. How valuable this reward actually is depends on the type of airline ticket you purchase with your points or miles. Many frequent flyer cards are made immensely more valuable by their mileage-based introductory bonuses. These are often enough to put you 50–100% of the way toward an award flight after meeting the initial spending requirement involved.
5. 便利
信用卡上有“VISA”或“MasterCard”标识的，在国外可以直接刷卡消费，而储蓄卡或现金就要先兑换了；另外，用信用卡预订机票及酒店、电话或网络购物和租车等也是非常便利，而储蓄卡可能就没有这个好处了，因为信用卡除了直接刷外还有个“预授权”功能；还有就是不存在没有零钱找换的尴尬。
By contrast, when your credit card is used fraudulently, you aren’t out any money—you just notify your credit card company of the fraud and don’t pay for the transactions you didn’t make while the credit card company resolves the matter.
Credit card networks like Visa and Mastercard provide zero liability coverage for unauthorized purchases as a way to encourage usage of their card over cash and check.
Credit card companies can also help resolve refund issues when consumers are unable to resolve merchant disputes on their own.
6. 解经济压力
假如一次性支付比较大额的消费有一定的经济压力，这样就可以用信用卡进行分期付款，提前享用心仪的物品；虽然需要另外支付一定的手续费，但比起可以提前享用半年甚至一年的所产生的无形价值相比，我觉得是值得的。当然，提前消费要量力而行。
You draw upon your savings account and write a check. But what do you do when, 72 hours later, the tile starts to shift and the grout still hasn’t set? Your entryway is now a complete mess, and that vein in your forehead won’t stop throbbing.
You can take up the issue with your state licensing board, but that process could take months and the contractor still has your money. That’s why, if you can, you should pay for a big-ticket item like this with a credit card. The issuer has an incentive to discourage fraud among its vendors, and if there is a problem, they have a mechanism to try to resolve it. More important, if you dispute the charge, the card issuer withholds the funds from the tile setter, and not only will you get your money back, you might even get help finding a new contractor.
7. 累积个人信用记录
使用多了信用卡，并按时按额还款，可以提升信用额度和信用度，同时，国家银行个人信用信息数据库就有了你良好的征信记录了，以后贷款买房买车审批就容易多了。
Hanging on to your funds for this extra time can be helpful in two ways. First, the time value of money, however infinitesimal, will save you money. Delaying eventual payment makes your purchase a tiny bit cheaper than it would be otherwise. Beyond that, your cash will spend more time in your bank account, and if you pay your credit card from an interest-bearing checking account and earn on your money during the grace period, the extra will eventually add up to a meaningful amount. vs. paying with a debit card, cash or check.
Second, when you consistently pay with a credit card you don’t have to watch your bank account balance as closely.
8. 申请附属卡
如果你给家人申请了附属卡，特别是给子女的，这样你就基本掌握他们的消费支出等财务状况了，便于教育子女的理财和消费意识。
9. 便于理财
信用卡在账单日后我们会收到纸质或电子邮件形式的消费明细账单，从账单，我们就可以清晰明了自己的在上月的消费和支出。
So, if you want to pay for one of these items with a debit card, the company may insist on putting a hold of several hundred dollars on your account. Also, when you’re traveling in a foreign country, merchants won’t always accept your debit card—even when it has a major bank logo on it.
10. 额外好处
一些信用卡还提供免费的意外险、医疗险、拖车和洗车，享受银行或机场贵宾厅的服务，还可积分换航程和换汽油等等好处。
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