Answer: I would not apply for a credit card if I was not sure that I had the ability to pay off my credit card debt. This is because a credit card will give me more available funds, but it will also create more debt. Once I go beyond what I can afford, debt takes over my life and it's not worth it.

In addition, I am also worried that the credit card will fall into a vicious cycle. I may use the money on things that should not be spent, such as buying expensive items or spending on unnecessary things. In this way, I would have more debt and it would be hard to pay it off.

At the same time, there are many traps when applying for a credit card. For example, some credit card companies will attract customers with low interest rates or interest-free, but once the customer defaults, the interest rate will skyrocket. Other credit card companies will charge high annual fees, which will add to my debt and make it harder for me to pay it off.

Therefore, I will not consider applying for a credit card until I am sure that I have no ability to pay off my credit card debt. In addition, before applying for a credit card, I will also investigate the interest rate, annual fee, liquidated damages, etc. of the relevant credit card company to ensure my interests.