1. Funding. First of all, you should have a fixed income, not people who can live on their "relief", such as students. But now many banks are very unscrupulous and even issue credit cards to students, so many students have not earned any money themselves, but they are already heavily in debt. Many people may be in debt of 100 thousand before graduation. This is not an alarmist. Because people who don't make money themselves don't know how difficult it is to make money. If they have a credit card, they will continue to overdraw.

2. In terms of shopping demand. Credit cards are suitable for long-term online shoppers, because many online shoppers support one-time large payment or even installment payment. Ordinary debit cards do not handle certificates and the like, and the daily transaction amount is limited. It is also suitable for people who often shop in regular stores (to put it bluntly, white-collar workers), and they don't need to bring a lot of cash, but they can also get points.

3. In terms of exit. Suitable for people who often go abroad, whether traveling or on business, because credit cards are dual currency, RMB plus US dollars. Just a reminder, you don't need a password to spend abroad. You must keep your credit card information, such as the expiration date and the last three digits on the back. You can pay overseas only by card number, expiration date, cardholder's name and these three numbers.