Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering

The Benefits/Disadvantages of using a credit card
An advantage of using a major credit card is that they act as a buffer and source of recourse between you and the merchant. Cheated and the store won’t answer you letters? Call Visa (or more accuratly, call the number on the back of the card). (That is, #2 on this answer, which you can also reference for a whole list of benefits.)