First, for me, I don't like to put 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 can't pay off my credit card debt myself. Undoubtedly, it is an act of quenching thirst by drinking poison, which will only make you fall into the abyss of advanced consumption step by step, especially for young people.
Second, when I am not sure whether I can pay off my credit card debt, I still have to apply for a credit card, 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 inevitably increase my expenses. Therefore, for me, I will not apply for a credit card for no reason, especially when I am unable to pay off my debts. For a young man, developing rational consumption habits is an important factor to ensure his success.