Let me ask you, some water, electricity, gas, telephone and cable TV must be handed in late now. Do you feel uncomfortable if they are all prepaid?

In fact, the same is true of credit cards. The money spent this month will be repaid next month.

In addition, when you refuse to apply for a card, you say you don't want to do it, or you have to return it anyway. Don't say you don't like loans, find some other reasons. You should know that many friends around you have paid their own money or their families, and they still have a long mortgage every month. No loans, no credit consumption, just relying on family. I don't rely on my current annual salary of hundreds of thousands or hundreds of thousands. That will disgust your friends.