Whether a credit card is needed depends on the actual situation of the user. When funds are tight, a credit card can be used for overdraft consumption, cash withdrawal or cash installment business, which can temporarily relieve economic pressure and eliminate the trouble of applying for a loan. In addition , when making overseas purchases, you can use UnionPay cards, VISA cards, Mastercards, etc. to pay directly at the corresponding POS machine, eliminating the trouble of exchanging foreign currency. Users with the above needs may consider applying for a credit card.