Maybe your classmate applied for a credit card, and he successfully found a customer to do it, with a commission. To apply for a credit card, different banks have different discounts (travel, shopping, eating, etc.). For example, if you use a credit card and repay on time, your credit rating is relatively high, and it is easier for you to borrow money for business (individuals) in the future; If you are not sure that you can control your consumption, you'd better not do it, because the money you use will be repaid after all. If you are sure you can control it, it is not a bad thing to get a credit card. Living in this era, you have to touch things you haven't touched. When handling a credit card, it is best to bind the credit card to a personal bank card, so that the bank can automatically help you repay the loan when it expires, so as not to forget to pay interest.