If I am not sure whether I have the ability to pay off credit card debt, I will definitely not apply for a credit card. The reason why I do this is mainly based on the following reasons:

First of all, for me, I don’t like to put too much pressure on myself in life. If my income is not very high and I don’t have the ability to spend a lot of money, then I won’t Applying for a credit card to satisfy your own consumption desires. If you do not have the ability to pay off credit card debt, applying for a credit card is undoubtedly an act of drinking to quench your thirst. It will only make you fall into a trap step by step. In this abyss of advanced consumption, especially for young people, this approach is very undesirable.

And if you apply for a credit card if you are not sure whether you have the ability to pay off your credit card debt, you will be inducing you to consume blindly, which will bring you many consequences. I am very confused. Even if I can have enough determination not to use the credit card I have applied for, if the credit card is not used for a long time, there will be a certain annual fee, which will also increase my expenses invisibly. , so for me, I will not apply for a credit card for no reason, especially if I do not have the ability to pay off the debt. For a young person, developing rational and rational consumption habits is An important factor in ensuring your own success.