I suggest getting a credit card. First of all, those credit card fraudsters who use other people's identities to handle cards take advantage of people who have no credit record in the bank, that is, people who have never had a credit card. If you have done a credit card, you can check the basic information of the cardholder at the People's Bank. If you don't do it, credit card fraudsters will take your ID card to fill in the credit card, which is easy to be impersonated. Because the bank has no information about you, what the fraudster provides is "true".

Of course, if you don't apply for a card, you won't have the risk of not being able to repay your credit card, and you won't be stared at by the bank's dunning center all day.

But if you can use credit cards reasonably, credit cards are still good.