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 youre trying to decide whether to get a credit card or whether to nix credit cards altogether, consider these pros^{2 and cons1.}

有些人喜歡信用卡，也有些人討厭信用卡。信用卡買賣雙方的人都有我們的看法。假如你正在糾結是辦還是不辦信用卡，請參考一下這類優勢和弊端。

The Pros of Credit Cards

信用卡的優點

#1. Faster to use.

# 1. 用起來更快捷

Compared to cash, credit cards are much faster to use. Swipe your card and youre done in seconds.

#2. Ability to pay in installments^3.

# 2. 可以分期付款。

While its 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.

#3. The credit boost.

# 3. 信貸增長。

If used correctlymaking your payments on time and keeping your balance lowcredit cards help you build a good credit score that you can use to qualify for a mortgage or auto^{4 loan.}

#4. Funding for emergencies.

# 4. 為緊急狀況提供資金

While not the best option for covering an emergency, a credit card can help you cover an unexpected expense if you cant afford to pay it from savings^5.

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

5.可以賺取現金獎勵，禮品卡，里程，或其他獎勵

The more you use your credit card, the more rewards you earn. You can redeem^{6 your rewards as you go or save up for a bigger redemption.}

#6. Ability to finance items for free when you take advantage of interest promotions^7.

#6. 當有利息打折的時候你能提前購買更貴的東西

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^{8 an extra cosplayt for the convenience.}

#7. No need to carry cash.

# 7. 不需要隨時攜帶現金。

The majority of places accept credit cards, which means you dont have to sTOP by the ATM to pull out cash before going out.

The Cons of Credit Cards

信用卡的缺點

With all the benefits that come along with using credit cards, there are some downsides that may turn you off.

#1. Temptation to spend more than you can afford.

# 1. 魅惑你燒錢導致超出你的承受能力。

Credit cards open up additional purchasing power and give you the illusion that you have more money than you really do. Studies have shown that people are more willing to spend with credit cards than other forms of payment.

#2. They reduce your future income.

# 2。他們會降低你將來的收入。

Each time you use a credit cardor any form of debtyoure borrowing from money that you havent earned. A portion of your future income has to go toward repaying your credit card balance if you want to protect your credit.

#3. The terms can be confusing.

# 3. 有的條約或許會叫人困惑。

A person whos not used to reading credit card agreements can easily be confused by the phrasing and the jargon^{9. Understanding credit card terms is important to use the credit card in a way that doesnt put you at risk of fees.}

#4. Fees and interest can be expensive.

# 4. 成本和利息可能非常貴。

Depending on the credit card and how you use it, your credit can cosplayt hundreds of dollars over the course of a year. This is why understanding the credit card terms is so important so you know how to avoid credit card fees.

#5. Potential for debt.

# 5. 潛在的債務。

You create debt each time you use your credit card. You can keep the debt from growing by paying off your balance each month, but if you only pay the minimum and keep making purchases, your debt will grow.

#6. Misuse^{10 can ruin your credit score.}

#6. 誤用會毀掉你的信用評分。

Your credit score is tied directly to how you use your credit card. If you run up big balances and pay your credit card late, your credit score will be impacted.