I think it's necessary to get a credit card if the salary of an individual is still left after supporting himself, because when everyone is short of money, the credit card can solve the problem of your lack of money well, and because the salary can support yourself, there is still money left, so you can pay back the credit card. If people with low wages don't recommend doing credit, even though it may solve some problems for you temporarily, in the long run, it will be very difficult to pay back the money in the future and it will easily lead to extravagance and waste. In the end, it can only be that the credit card is not paid. Not paying the credit card will not only cause some troubles for your future generations, but also cause some troubles for your future work.