If I am not sure whether I have the ability to repay the credit card debt, I will never apply for a credit card. First of all, if I do not have the ability to repay the credit card, it will affect my personal credit report and I will be sued.

If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and may also sue you. Credit card fraud and malicious overdrafts are subject to court enforcement.

Secondly, when you are not sure about your ability to repay, it is easy to have debts that you cannot repay, are overdue, have extremely high interest and handling fees, and are likely to be collected, which affects family and social relations...

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