Young people should not get credit cards. Because young people’s consumption outlook is too advanced, they want to spend tomorrow’s money today before they even apply for a credit card. Applying for a credit card provides them with the conditions to spend money today and tomorrow. This will cause them to form a bad concept of consumption and bear a heavy debt burden.

Credit cards are for consumption in advance. If you cannot control your consumption desires, it is easy to overdraw your credit, which will have a great impact on your future plans to buy a house or a car. It is so convenient to apply for a credit card now. You only need to have a regular job and provide proof of salary and income to apply for a credit card. Nowadays, the income of young people is not stable. After applying for a credit card, they have a consumption limit that exceeds their consumption level. Many people will not be able to resist the temptation to overspend. The end result is that they have to pay off the credit card every month, disrupting their normal life.

In fact, there is nothing wrong with the credit card itself. Sometimes it can indeed solve urgent needs, but it is for emergency use, not for daily excessive consumption. After having a credit card, many people will overspend without good spending habits. Therefore, it is best not to apply for a credit card, because applying for a credit card requires strong self-control, which many people cannot do.

Use tomorrow's money today to pay off today's debt tomorrow. If this vicious cycle continues, many people will be under great psychological pressure, thus disrupting their normal rhythm of life. So I think young people should not apply for credit cards, but should keep their feet on the ground and not spend money in advance.