I personally do not recommend applying for a credit card to college students.

First of all, in terms of repayment ability, most college students rely on their parents to survive and complete their studies. College students have no financial resources and may not have the ability to create wealth for the time being. After overdrafting their credit cards, they may face the dilemma of not being able to pay back their debt, which will have a great negative impact on their credit in the future.

Especially now, advanced consumption has become a very popular concept, which is also affecting college students. Credit cards may play such a role. And we know that before college students enter the society, their self-control and self-control abilities are not strong enough. After they have a credit card, they may have some unnecessary shopping desires due to vanity or other reasons. , and finally cannot stop, and at this time, it may enter a difficult situation. Moreover, when many college students face such a situation, they may not be able to communicate with their parents or friends to solve the problem. In the end, they may even fall into the trap of online loans, which affects their studies and their own credit. So I don’t think college students can apply for credit cards.

In addition, I think the main task of college students is to learn and improve their abilities, so that they can have a place after entering society. It may cost some money, but the average family can only afford this amount, and there is no need to use a credit card. And credit cards can also stimulate our excessive consumption to a certain extent. There are some needs that are obviously unnecessary, but with the existence of a credit card, you may be stimulated to consume this part, or be induced by some preferential policies of merchants. Therefore, it is not recommended to use a credit card if you have no personal income. In addition, college students should also establish a healthy view of money and develop a good habit of thrift. Don’t blindly follow trends and compare.