用卡既便利我们交易,也可以在我们现金流量出现短暂问题时作为缓冲。但信用卡是交易的工具,不是借贷的工具,大家须谨记,刷卡消费要当月偿还,不可拖欠,否则便要付高昂的利息及财务费用。 Cards facilitate transactions as well as buffering short-term problems in our cash flow. However, credit card is a trading tool. It is not a tool for lending. We must keep in mind that credit card spending should be repaid in the current month and non-defaulting otherwise high interest and financial costs will have to be paid.