The advantage and disadvantage of useing tomorrow's money

In the past,there is no bank.We buy things should depend on how much money we have.But now,there are all kinds of banks which provide us a very useful tool---Credit Card.So we can overdaw from the bank,in other words,we can useing tomorrow's money.
There are some advantages of useing tomorrow's money.First,we can buy things that we need advanced.Second, when we are in trouble in life or business,we can useing the money to deal with,such as paying for the medical treatment cost in a car accident.The next, it can stimulate the development of economy.for example,when the number of people who bought the house raised,the business of selling house will become prospering.The last,useing tomorrow's money call devote to the consume.
As every coin has two sides.So there are also some disadvantages of it .In my opinion , it's dangerous for people who is lazy to useing tomorrow's money,or they will overdraw a sum of money while they can't pay back for.For most people,they prefer remain the money in hand.
While,as far as I'm concerned.I prefer useing tomorrow's money.I believe tomorrow I can earn more.