The NPC deputies suggested banning credit cards and installment plans for students. I think this behavior is very correct, because students do not yet have the ability to repay, and because students do not have a good estimate of their spending power, Therefore, it is very possible to consume in advance, and students have poor self-control, so if they apply for a credit card, it is very likely that they will not be able to pay, which will affect their normal life, or worse, it may ruin the student's life. First of all, students have a strong desire to consume because they have never experienced making money on their own, so they don’t know the difficulties of making money. They usually buy things they want to buy when they see them, and they do not have the ability to restrain themselves. Therefore, in order to reduce their purchasing power and consumption ability, parents usually give a certain amount of money but rarely give a lot. Well, if minors can apply for credit cards on their own, when they want to go shopping, they may use the credit card to make advance purchases, which will allow them to buy a lot of useless things and spend a lot of money. . In fact, this will only encourage students’ consumption psychology and make students develop increasingly bad consumption habits. So not allowing them to apply for credit cards is actually to protect them. And because students do not have the ability to control money themselves and rarely have the ability to make money, they usually rely on the living expenses provided by their parents, and the living expenses themselves are rationed. If they overdraw their credit card every month, it is very likely that they will not be able to pay off their credit card. This will make them feel very anxious. The main task of students is to study, but if they still have to worry about paying off their credit cards, it will have a very bad impact on their lives, which may affect their grades, their mental health, and their growth. It is said to be very disadvantageous. And it may also affect the harmony of the family. After all, if the family knows that their child owes so much credit card money, it may cause very serious consequences, and the parents may be very angry. It is also not good for the harmony and stability of the family. In addition, if students owe too much money, it will eventually increase the burden on the students’ families. After all, parents of students may only make so much money every month. In addition to supporting their own lives, they also have to provide living expenses for their children. If you have to help your children pay off their credit cards, it will be a huge burden for the parents and may affect the quality of life of the entire family.

So not to apply for credit cards for students is actually to protect the students themselves and their families. This is a very good suggestion.