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Is it necessary to apply for a credit card
It is necessary to apply for a credit card. The advantages of holding a credit card are as follows:

1. Save the trouble of bringing cash:

Cardholders can use the card to spend money, thus avoiding the trouble of paying cash for consumption and not worrying about the danger of carrying too much cash with them.

2. Participate in discount activities:

Cardholders can take credit cards to participate in various discount activities, and they can enjoy discounts when spending in businesses.

3. Accumulate credit card points:

Cardholders can spend money by swiping their cards at cooperative merchants, which can accumulate consumption points.

4. Personal credit has been improved:

Cardholders can continuously accumulate credit records by using their cards, which makes it easier to handle other businesses.