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Advantage & Disadvantage of Credit Card A credit card has become an indispensable part of our lives, with its ease of use and convenient pay-back options. The discounts, offers, and deals that a credit card offers are unmatched by any other financial product and spell a bonanza for the wise user. However, credit cards can become debt traps if not used correctly or spent more than you can repay when the bill comes around. If you’re new to the world of credit, here’s a list of the advantages and disadvantages associated with your little plastic card.