First of all, for me, I don't like to create too much pressure on myself in my life. If my income is not very high and I can't afford to spend more, then I will not apply for a credit card to satisfy my consumption desire. I don't have the ability to pay off my credit card debt, so getting a credit card is undoubtedly an act of quenching my thirst, which will only make me fall into an abyss of advanced consumption step by step, especially for young people, which is very undesirable.
and when I am not sure whether I have the ability to pay off the credit card debt, I still apply for a credit card, which will induce me to spend blindly to a great extent, which will bring me great confusion. Even if I have enough determination not to use this credit card I have, if I don't use it for a long time, there will be a certain annual fee, which will also increase my expenses invisibly, so for me, I won't get a credit card for no reason, especially if I don't have the ability to pay off my debts. For a young man, developing rational consumption habits is an important factor to ensure his success.