<human>: What are the benefits of using a credit card over cash or checks?
<bot>: The main benefit of using a credit card is that you can access your money quickly and easily. You can make purchases without having to carry around large amounts of cash, and if you pay off your balance each month, you won't have to worry about carrying too much debt. Additionally, some credit cards offer rewards for certain types of spending, such as airline miles or cash back.