before I apply for a credit card, I will determine my ability to pay off the credit card debt. I must first understand the credit card knowledge of each bank, such as the key knowledge of the interest-free period on the repayment date of the bill date, and understand the repayment method of the credit card. Only by mastering the use of the credit card can I maximize the use of the credit card. I will bid farewell to Kanu's life through rational consumption. At the same time, we should learn all kinds of skills to use credit cards safely. Rational consumption is the most critical point. Although you have a credit card, you must spend it rationally. Credit card is the premise of personal consumption, and many young people love impulsive consumption and love to compare, and often buy items that exceed their ability to pay.
Therefore, before you swipe your card, remember to live within your means. Before you spend, consider your repayment ability before you decide whether to swipe your card. If you really can't control your hands, then it is recommended to seal up your credit card for a period of time, take cash with you when you go out, and cultivate your ability to control your consumption. Then use your credit card when you can spend rationally. Remember, sometimes it only takes one impulse consumption to become a slave! Credit card is a double-edged sword. If it is used well, it will be of great help to life and financial management. If it is not used well, it will fall into the bottomless abyss of card slaves, with endless card debts and endless interest. Therefore, before using credit cards, we should learn more about credit cards, so that credit cards can become a tool for our wealth management and value-added, not a debt. I have a lot of Kanu friends around me, all of whom are in debt with credit cards, and the life of robbing Peter to pay Paul is very hard.
in a word, besides the ability to pay off credit card debts, I also have rich financial experience. Besides, the best way for a credit card holder not to be a card slave is to refuse to apply for a credit card, which is also a radical way to cut off the possibility of being a card slave from the root. However, refusing to use credit cards does not meet the purpose of our financial management. Although it eliminates the opportunity to become a card slave, this method is not recommended. One of the means of financial management is to make rational use of credit cards for capital turnover.