There are not many places to use credit cards now, and I will not apply for one again. Many people have developed problems such as the pursuit of high consumption, love of vanity, and excessive consumption through credit cards. Specifically:

1. Look at the repayment ability.

Banks provide cardholders with credit cards that allow cardholders to make overdraft purchases. This depends on the user's repayment ability. Usually, the stronger the repayment ability, the easier it is to obtain a credit card with a higher limit. Therefore, in this case, the applicant needs to have a legitimate and stable job, and can provide proof of employment and income, so as to prove that we have the ability to repay the credit card. In addition, if the applicant wants to apply for a high-limit credit card, he or she also needs to provide proof of financial resources, such as bank deposit certificate, real estate certificate, etc.

2. Look at the credit situation.

To apply for a credit card, we also need to have a good personal credit report. A good personal credit report means that we have a good willingness to repay. For banks, applicants with good credit reports More credible.

3. Fear of trouble.

After using it, I have to think about repaying it. I am always afraid that if I forget to repay it, it will affect my credit report, affect my future car loan and house loan, and I am even more afraid of delaying my children.

4. Worry about annual fees.

Most banks for gold and ordinary cards require 5 or 6 purchases per year to waive the annual fee. Many friends have many cards, and it is inevitable that they will worry about incurring annual fees when they forget to swipe their cards.

5. Strive to increase your income and rely less on credit cards. Work hard and everything will be done. Don’t force yourself to buy something you can’t afford. Wait until you make money before buying it. Strive to increase your income and spend your own money. .

In short, no matter what you do, you need to be down-to-earth and don’t be too ambitious. Cards are good but don’t be greedy. When you are dominated by it, young man, you will not be able to cope with all the nightmares. Don't let vanity and hypocrisy rule you.