First, for me, I don't like to create too much pressure on myself in my life. If my income is not very high and I don't have the ability to spend more, then I won't apply for a credit card to satisfy my consumption desire. I don't have the ability to pay off my credit card debt myself. It is undoubtedly an act of quenching my thirst and will only let myself fall into an abyss of advanced consumption step by step, especially.
Second, when you are not sure whether you have the ability to pay off the credit card debt, you still apply for a credit card, which will induce you to spend blindly to a great extent, which will bring you great confusion. Even if you have enough determination not to use this credit card you have, if you don't use it for a long time, there will be a certain annual fee, which will also increase your expenses invisibly, so for me, I won't get a credit card for no reason, especially if I don't have the ability to pay off my debts. For a young man, developing rational consumption habits is an important factor to ensure his success.