I will never apply for a credit card if I am not sure whether I have the ability to pay off my credit card debt. Because I am a relatively traditional and conservative person who borrows money to spend my days. If I have foreign debt, whether it is owed to an individual or a bank, I always feel uneasy. I will only apply for a credit card if I have the ability to repay.

First of all, after you apply for a credit card, you will spend money uncontrollably. Because credit cards are spent first and then paid back, although there is a free trial period of dozens of days, once the repayment date comes and you don’t have the money to pay back, high interest will accrue. Therefore, if they apply for a credit card, some people think that the money is theirs, and they can buy whatever they want and spend it however they want. As a result, I was dumbfounded when it was time to pay back the money at the beginning of the month. There are not many such people.

Secondly, if you apply for a credit card, you must remember to pay it back in time. Since it is a credit card, you need to pay attention to credit. When you have no money, the bank bears the cost of buying things for you, so when it is time to pay back the money, you should remember to pay it back in time. If you don't pay back the money, it will be your own reputation and interests that will be damaged. Failure to repay the money may affect your bank credit record. Once you have a bad bank credit record, it will be impossible for you to get a loan to buy a house in the future. When you want to apply for a credit card, no one will do it for you.

The third thing is that having a credit card is just for convenience. You should also have a way of living, and you should not spend a lot of money. On the basis of meeting your normal living expenses, try to save a little money every month, so that if you encounter something big or small, you don't have to worry and borrow money everywhere, you can always take out money to deal with it.

I now have two credit cards, but I rarely use them. Although I have the ability to repay them, I am worried that I will be remembered as a bad person because I am afraid that I will forget to repay them. Credit record, it will have a very bad impact on your future life.

So my opinion is that young people should try not to apply for a credit card if they can, because young people have no restraint. It is convenient when they spend money, but they worry when they pay back the money.