according to the individual's actual situation. If you need a credit card to meet the needs of daily consumption or travel, you can consider handling it. However, it should be noted that credit card is a lending tool, and improper use may bring certain risks. Therefore, before handling a credit card, you need to understand the relevant knowledge and precautions of the credit card, abide by the rules of using the credit card, and avoid overdue repayment and excessive consumption. In addition, Ping An Bank should carefully read the rules and terms of the preferential activities of giving credit cards to WeChat to reduce 2 yuan's capital, to find out whether it meets the requirements, and pay attention to whether there are other restrictions and risks.