Not necessarily. A credit card is a bank card that allows you to regularly borrow money from the bank for consumption. Therefore, a credit card is also called a "credit card." It is not necessarily used by people who have no money. Some rich people have much higher consumption levels than ordinary people. Gao, if you use credit cards to replace the money and invest the money in some short-term financial products, there will be a lot of profits, so men who use credit cards do not necessarily have no money.