1. Credit cards can be used in an emergency. You don't have to use them, but you'd better have one in your hand in case you need money badly. Then a credit card can solve your urgent need.

2, online lending, is to quench your thirst by drinking poison, knowing that it is a cup of poisonous wine, or to drink it, unless you want to commit suicide, or there is no tomorrow after today, you will go to jail, otherwise it will not end well.