As long as you meet the conditions for applying for a credit card, you can apply for it. This has nothing to do with whether you have used a credit card. What matters is your repayment ability and whether you can repay the money from the bank. superior.

Basic functions: consume first and repay later, timely repayment within the interest-free period, and flexible capital turnover.

It is easy to carry and avoids the inconvenience of carrying large amounts of cash for consumption. If you keep it well, it can reduce risks.

Accumulate personal credit. After using a credit card, you will have a personal credit record with the People's Bank of China. Maintaining a good credit record will help you with future home loans, car loans, etc.

Plan flexibly, enjoy quality life, and spend your future income in advance. Many banks offer installment payment services.

1. Spend in advance. When you haven’t paid your salary yet, have no money on hand, and want to buy something in particular, a credit card comes in handy.

2. If you often go shopping, supermarkets, etc., but it is unsafe to carry cash and you are afraid of losing it, just have a credit card. You don’t need to give change when you swipe the card to spend, and you don’t have to worry about receiving counterfeit money. In case the credit card is lost, You can report the loss immediately by phone without any loss of funds.

3. If you want to buy something big, wait until you have enough money to buy it. The day lilies are already cold. You can buy it immediately if you have a credit card. You can also pay in installments, that is, pay it back over several months without interest. When you pay off the money in installments, the thing is completely yours, and you have made money by using it for several months!

But you can also use it reasonably. Don't withdraw cash because there will be a lot of interest and handling fees, just swipe your card. , and repay on time. Cherish your credit history and enjoy a good life. Refuse to be a card slave!!!