Normal.

According to inquiries and Caiwang, it is normal for users not to apply for credit services if they do not have financial needs. This is mainly based on personal needs, but only to ensure that repayments can be made on time after application. Don't show up late.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.