I will not apply for a credit card if I am not sure about my repayment ability and debt repayment ability. For unused credit cards, I usually abandon them and don't add them for special processing. I just put them in a forgotten corner. I bid farewell to the life of a credit card slave mainly by establishing my own correct concept of consumption.

Before applying for a credit card, I will determine my ability to pay off credit card debt. I must first understand the credit card knowledge of each bank, such as key knowledge such as the interest-free period on the billing date, the repayment date, and understand the credit card repayment period. Only by mastering the payment method can you maximize the utilization of your credit card. I will bid farewell to the life of a card slave through rational consumption. Also learn various techniques for using credit cards safely. Rational consumption is the most important point. Although you have a credit card, you must consume rationally. A credit card is the prerequisite for personal consumption. However, many young people like to consume impulsively and compare, and often buy items that exceed their ability to pay.

So, before swiping a card, remember to live within your means. Before spending, consider your repayment ability before deciding whether to swipe the card. If you really can’t control your own hands, then it is recommended to seal the credit card for a period of time and go out. Try to bring cash with you, cultivate your ability to control consumption, and only use credit cards when you can spend rationally. Remember, sometimes all it takes to become a card slave is one impulse purchase! Credit card is a double-edged sword. If used well, it will be of great help in life and financial management. If used improperly, you will fall into the bottomless abyss of card slaves, with unpaid card debt and endless interest. Therefore, before using a credit card, you should learn more about credit cards, so that credit cards can become a tool for us to manage our finances and add value, rather than a liability. I have many friends who are credit card slaves, and they are all burdened with credit card debt. They have a very hard life of demolishing one thing to pay for the other.

In short, in addition to the ability to pay off credit card debt, I also need to have relatively rich experience in financial management. In addition, as a credit card user, the best way not to be a card slave is to refuse to apply for a credit card. This is also a way to pull out the bottom of the pot. Cut off the possibility of being a card slave at the root. But refusing to use credit cards is not in line with the purpose of our financial management. Although it eliminates the chance of becoming a card slave, this method is not recommended. One of the means of financial management is to use credit cards rationally for capital turnover.