In fact, all bank cards you use can be called credit cards, but we usually think of credit cards as cards that can be overdrafted, and the reason why you can overdraft a certain amount of money depends on your Personal credit. A credit card is necessary to meet your necessary needs, but too many credit cards are unnecessary.

Many people in modern times have at least one credit card, because credit cards can be overdrafted, so they can solve your urgent needs when you need them. Of course, some people are accustomed to the lifestyle of overdrafting first and repaying later. , it seems that money is always spent before wages are paid, so an overdraft is needed.

There are also some people who have more than one credit card, and bank staff will constantly come to their door to apply for a card. Of course, there will be some preferential policies when applying for the card, such as giving some free money after applying for the card. Small gifts can be exchanged for gifts after spending a certain amount. On designated dates and designated merchants, there are discounts for using credit cards. There are also certain discounts for watching movies.

But when applying for a card, it is still based on personal needs. Don’t apply for a card you don’t need because of various discounts, because you will have to manage more cards in the future. Overdrafts must be repaid on time, otherwise high interest rates will accrue.

In the past, the credit limit of credit cards was generally between 10,000 and 20,000, but now bank cards have an additional contract loan function, and many online financial institutions also offer many more loan projects. The amount also ranges from tens of thousands to hundreds of thousands. Borrowing money seems to have become easier. No mortgage is required. Everyone can get a loan, but this also requires everyone to have a more rational consumption concept, because sooner or later the borrowed money will also be Have to pay it back.