Credit card is a payment tool, which allows consumers to delay payment when shopping and repay the purchase amount at a later time. Although using a credit card can provide some flexibility and convenience in payment, you still need to pay the actual purchase amount when buying clothes. Credit cards do not make shopping free, but provide a way of payment. When shopping, we need to pay attention to the rational use of credit cards to avoid excessive consumption and debt accumulation in order to maintain personal financial health.