human
Can you tell me more about the benefits of using a credit card?
assistant
The main benefit of using a credit card is that it can help you build or rebuild your credit. It’s important to understand how credit works and what factors affect your credit score, so make sure you read up on this before deciding if a credit card is right for you. Another advantage is that you can use a credit card to purchase items now and pay off the balance later, which can result in lower interest rates than other forms of borrowing. Additionally, having a credit card can give you access to cash advances and rewards such as airline miles and points. Lastly, some credit cards offer protection against fraud and theft, so it’s worth looking into those features too.