The first benefit of using credit card is that the purchase of and payment by credit cards are convenient. Last year, I would like to have telephone but I have two thousand baht cash. I do not buy the phone. Then I told my father that I wanted a telephone. At that time, my father worked in Taiwan. My father could use a credit card to pay the bill to me. My father has a little bit of cash, because it used to pay for food each day. I think the use of credit cards is very good. Although you will have ready cash, sometimes you just do not buy anything. Credit cards, we can use at any time, just that we are addicted to debt. On the other hand, sometimes you need to work to get the cash.