<human>: What are the benefits of using a credit card over using cash?
<bot>: The main benefit of using a credit card over using cash is that you can access your funds more quickly. With a credit card, you can make purchases up to your available credit limit and pay off the balance later. You also have protection if something unexpected happens such as an emergency expense or theft. Additionally, you may get rewards points for certain purchases which can be redeemed for discounts on future purchases.