Generally, credit cards have an annual fee, unless there are some hard conditions, such as the credit card of Guangfa Bank, which is exempted from the annual fee if it is swiped six times a year, but I wonder if other banks also have such conditions. However, as a student who has no independent financial resources, he usually has to pay at home, so once he gets into the habit of spending by credit card, it is often easy to spend money, that is, the expenses given to you at home are generally not enough, which may easily cause you to be unable to repay, which may have a bad impact on your credit and lead to the failure to get a loan for buying a house and a car in the future.

The starting point of credit cards is good, but the people they adapt to are different. Using tomorrow's money today is actually to relax your current economic situation and buffer payment. However, as a college student without financial resources, it is difficult to repay, especially the concept of financial management has not yet formed, and the phenomenon of excess occurs from time to time, which is very troublesome.

I hope it helps you, hehe. . . .