The reason why some people say you should never apply for a credit card is because credit cards have the following risks:

1. Overdue risk: After using a credit card, you need to repay it on time, but you accidentally forget to repay it. There are many people who overdue their credit cards today. Once their credit cards are overdue, they will face adverse consequences such as collections, penalty interest, and credit citations.

2. Risk of overdraft: Credit cards can be used for overdraft, which may cause some people who do not have the ability to control themselves to over-consume. Once cardholders over-consume, they may be unable to repay. .