It is best to handle credit cards directly at the bank, and it is best not to listen to telemarketing, but it does not mean that this person is short of money. Using a credit card can make it easier to spend and improve your credit. As long as you repay on time, you must apply for a 1-2 credit card. It is best to handle credit cards directly at the bank, and it is best not to listen to telemarketing, but it does not mean that this person is short of money. Using a credit card can make it easier to spend and improve your credit. As long as you repay on time, you must apply for a 1-2 credit card.