Credit card is a lending tool. If you don't have enough income to pay off your debts, you may get more debts if you apply. I definitely won't apply for a credit card if I'm not sure whether I can pay off my credit card debt. The reason why I do this is mainly based on the following reasons: First of all, for me, I don't like to create too much pressure on myself in my life. If my income is not very high and I can't spend more, then I won't apply for a credit card to satisfy my consumption desire. I don't have the ability to pay off the credit card debt, so it is undoubtedly an act of drinking poison to quench my thirst, which will only make me fall into the abyss of exceeding consumption step by step, especially for young people, which is very undesirable. Moreover, I still have to apply for a credit card when I am not sure whether I can pay off my credit card debt, which will induce my blind consumption to a great extent and bring me great confusion. Even if I have enough determination not to use this credit card I have done, if the credit card is not used for a long time, there will be a certain annual fee, which will increase my expenses invisibly, so for me, I will not apply for a credit card for no reason, especially if I am unable to pay off my debts. For a young man, developing rational consumption habits is an important factor to ensure his success.