1. There will be no impact. The use of credit cards does not conflict with the subsistence allowance households. Credit cards are not assets and will not affect the qualifications of the subsistence allowance households. 2. The subsistence allowance mainly examines the fixed assets of the family, personal income and the health of the family. The credit card mainly examines the proportion of personal consumption expenditures, etc. The two have little to do with each other, so if you are a subsistence household, you can also apply for a credit card, and the two will not affect each other.