Hello, no, if I could, I would never apply for a credit card. I would also like to advise all young people not to apply for a credit card.

There were two reasons why I started to apply for a credit card. One was because I thought people with credit cards were awesome and I wanted to apply for one, and the other was because I was short of money.

As a result, I overdrafted my consumption and owed a lot of debt. I have not paid it off yet, and I worry about paying it back every month.

I would also like to advise those who want to spend in advance to be cautious. The money spent on the credit card must be repaid. Don’t be tempted by the 50-day interest-free period. You still have to pay it back when it expires. No matter how much money you have, how many things you need to do, don’t spend too much in advance.

If I had a choice, I would never apply for a credit card, because applying for a credit card can only rely on using future money, and the gap will never be filled. Many friends around me use it this way, so I think it is not good.

If I had a choice, I would still apply for a credit card. Why? Because I use my credit card the right way and some people use it the wrong way.

I believe it goes without saying that many credit cards have an interest-free period of up to 56 days. During this period, the consumption is equivalent to the bank lending you money interest-free. It is a good deal to be interest-free. What's more, there may be some discounts on weekdays.

Of course, the biggest role of credit cards is to provide emergency support when you are short of money. Everyone knows that it is difficult to borrow money. It is better to rely on yourself than to rely on others. Credit cards can solve urgent needs.

The first is that these people are not interested in interest-free credit cards, but in installments, and they even do not hesitate to support high handling fees. As a result, if you are not well-off, you will spend money in advance. When you earn money later, you will always have to pay off your credit card first.

The second is that some people withdraw cash not to meet urgent needs, but for other purposes, even for high-risk investments, or some people simply withdraw cash because they have no money to spend. When I ran out of money to pay off one credit card, I used another to withdraw cash to pay off the first one. From then on, I lived an endless life of paying off credit cards.

Both of these behaviors are undesirable. By the time you wake up, you have already paid too much.

If you can treat credit cards correctly and not be blinded by short-term material enjoyment, then credit cards are basically good. I have never withdrawn cash in all the years I have used a credit card, and I have only made one installment payment. Moreover, the installment plan is not for consumption in advance, but because I am interested in the interest-free payment, so even if it is an installment plan, it is still a good deal for me.

Finally, I would like to suggest that if you are sensible enough, then applying for a credit card is not a big problem. If you can't control your own hands, then it's better not to apply for a credit card, lest the expenses become too large and you can't afford it.

I wish you good luck in your work.