请列举三种常见的支付方式并简要介绍每种方式的特点。要求：以json格式输出，字段包含type, description, advantages, disadvantages。
user
```json
{
  "payment_methods": [
    {
      "type": "Credit Card",
      "description": "A card that allows the cardholder to borrow funds up to a predetermined limit for purchases.",
      "advantages": ["Convenient and widely accepted", "Can earn rewards like cashback or points", "Interest-free grace period if paid in full"],
      "disadvantages": ["High interest rates", "Can lead to debt if not managed properly", "Potential for fraud"]
    },
    {
      "type": "Debit Card",
      "description": "A card that allows the cardholder to spend money by drawing on funds that are already in their bank account.",
      "advantages": ["Direct access to own money", "No risk of debt", "Generally secure with PIN authentication"],
      "disadvantages": ["Limited funds restrict spending", "No grace period for payments", "Potential for fraud"]
    },
    {
      "type": "Digital Wallet",
      "description": "A virtual wallet that stores payment information and passwords for numerous payment methods and websites.",
      "advantages": ["Convenient and quick transactions", "Increased security with encryption and biometrics", "Can be used on multiple devices"],
      "disadvantages": ["Requires internet connection", "Potential for privacy concerns", "May have limited acceptance at physical stores"]
    }
  ]
}
```
assistant