If I could, I would never apply for a credit card. I would also like to advise young people not to apply for a credit card.

There were two reasons why I started to apply for a credit card. One was because I thought people with credit cards were awesome and I wanted to apply for one, and the other was because I was short of money.

As a result, I overdrafted my consumption and owed a lot of debt. I have not paid it off yet, and I worry about paying it back every month.

I would also like to advise those who want to spend in advance to be cautious. The money spent on the credit card must be repaid. Don’t be tempted by the 50-day interest-free period. You still have to pay it back when it expires. No matter how much money you have, how many things you need to do, don’t spend too much in advance.

If I had a choice, I would never apply for a credit card, because applying for a credit card can only rely on using future money, and the gap will never be filled. Many friends around me use it this way, so I think it is not good.

If I had a choice, I would still apply for a credit card. Why? Because I use my credit card the right way and some people use it the wrong way.

I believe it goes without saying that many credit cards have an interest-free period of up to 56 days. During this period, the consumption is equivalent to the bank lending you money interest-free. It is a good deal to be interest-free. What's more, there may be some discounts on weekdays.

Of course, the biggest role of credit cards is to provide emergency support when you are short of money. Everyone knows that it is difficult to borrow money, and it is better to rely on yourself than to rely on others. Credit cards can solve urgent needs.

The first is that these people are not interested in interest-free credit cards, but in installments, and they even do not hesitate to support high handling fees. As a result, if you are not well-off, you will spend money in advance. When you earn money later, you will always have to pay off your credit card first.

The second is that some people withdraw cash not to meet urgent needs, but for other purposes, even for high-risk investments, or some people simply withdraw cash because they have no money to spend. When I ran out of money to pay off one credit card, I used another to withdraw cash to pay off the first one. From then on, I lived an endless life of paying off credit cards.

Both of these behaviors are undesirable. By the time you wake up, you have already paid too much.

If you can treat credit cards correctly and not be blinded by short-term material enjoyment, then credit cards are basically good. I have never withdrawn cash in all the years I have used a credit card, and I have only made one installment payment. Moreover, the installment plan is not for consumption in advance, but because I am interested in the interest-free payment, so even if it is an installment plan, it is still a good deal for me.

Finally, I would like to suggest that if you are sensible enough, then applying for a credit card is not a big problem. If you can't control your own hands, it's better not to apply for a credit card, lest the expenses become too large and you can't afford it.

No, I think it is easy to get it and easy to spend it, but it is not easy to make money. I am stuck in the quagmire and cannot extricate myself.

You can apply for a credit card, because a credit card is not a reason or excuse to spend in advance, it is just a tool.

If you can't control your desires, then increase your value and control your credit card instead of becoming a miserable card slave. In fact, becoming a card slave is much better than borrowing a lot of various online loans.

Everything depends on management. I have a friend who didn’t have any spare money at the beginning, but he opened three credit cards, gradually raised the limit, cashed out and opened a small company. Since the company's turnover is relatively large, he can flexibly control himself not to be overdue, and there is no interest, so credit cards are very useful to him. Now he has about six credit cards, plus Alipay's Jiebei Huabei and WeChat's Weili Loan has a limit of about 500,000 yuan.

At the same time, he controls it very strictly. The money in these cards is not his, and he knows it very clearly.

In the final analysis, credit cards have more advantages than disadvantages. For many people who cannot control their desires, they are a scourge, but for people with strict plans, they are a sharp tool.

There is a young man abroad who has more than a thousand credit cards. He has become famous and achieved financial freedom just by managing the cards.

Therefore, you can apply for a credit card, provided that you can control it and limit your desires.

As we all know, credit cards are like a double-edged sword. Some people can use credit cards to make money, and credit cards also bring a lot of convenience to their lives; there are also some people who do not use credit cards well due to poor consumption habits. By using credit cards, they end up becoming a card slave. They are so miserable that they regret having applied for a credit card.

So, if you could do it over again, would you still apply for a credit card?

Xiao Ming originally had a happy life. He applied for a credit card a few years ago. He works in a company, has a stable income, and pays off his bills on time every month. His credit card limit has also been increased a lot. The credit card has indeed brought great convenience to his life.

After that, Xiao Ming quit his job and started a business. However, starting a business was not an easy task, and his income was no longer guaranteed. As a result, Xiao Ming owed a lot of debts, from his family and friends. What's even more frightening is that the credit card is overdrawn.

According to Xiao Ming, since the credit card expired, the bank has been calling every now and then to demand payment, which can drive people to death. If they had known that this would happen, they would never have applied for a credit card. Xiao Ming also laughed at himself as he spoke: I am not a person who likes to follow trends, but this time I have become the most popular person today - a card slave!

In reality, people who are harmed by credit cards There are quite a few of them. Most of these people realize that they have made a mistake because they did not use their credit cards correctly and eventually became card slaves. But by this time it is too late to regret.

Therefore, credit cards must be used rationally and never swipe cards randomly, otherwise the consequences will be serious. Once you have poor ability to withstand stress, you may also pay a bloody price. So, who are not suitable for credit cards?

1. People with poor self-control ability

If you are given a credit card with a limit of tens of thousands, whether you can use it well is a big question question. Some people have poor self-control and spend crazy money as soon as they see such a large credit card limit.

This kind of person is not suitable for applying for a credit card, because it is difficult for them to control their consumption desires, unable to consume rationally, unable to make ends meet, and swiping cards regardless of the consequences, and they will eventually become "card slaves".

2. People with weak ability to withstand stress

When using credit cards, you will inevitably encounter times when the repayment pressure is high, and everyone may over-consume. Is this a time? Something that is hard to avoid.

If you have poor stress tolerance and are frightened every time you think about repaying a loan, then you'd better not apply for a credit card, in case you can't stand the pressure one day and do something irrational. Things are not going well.

Little Finance reminds me that credit cards are not necessities in life. Whether to apply for a credit card should be based on reality. If you have a need, apply. If there is no need, it is best not to apply. In addition, credit cards must be used rationally and must not be swiped without restraint, otherwise the consequences will be serious.

No, because if the credit card is overdue, the penalties and interest are very high. Sometimes the money you pay back each month is not enough, and it is all money thrown away. I come into contact with friends whose credit cards are overdue every day, so I know very well that credit cards are a trap

I want to do it, but I can’t

Generally speaking, China Merchants Bank’s is better and offers better discounts More. However, there is no difference in my personal experience. ICBC, China Construction Bank, Bank of Communications, Bank of China and other major banks are all good and similar.

If possible, of course I would choose not to apply for a credit card. Firstly, I want to be able to deal with an emergency one day, and secondly, I want to use it regularly so that he can increase the limit and buy a house or a car later. It can be used. Although I don’t use it much, I feel a little stressed every time I have to repay the loan. It must be because my salary is not high. Hahaha. . . So I would like to advise you not to do it if you can.