You can save money for consumption. When students apply for credit cards, most of the approved quotas will be zero. Zero credit cards are not so easy to use. After all, there is no limit, and there is no way to overdraw consumption. However, the cardholder can still deposit the money in the card and then spend it with the card. And as long as you use your card flexibly, if you save money for 3 or 6 months, the issuing bank may increase the card limit for the cardholder. Credit cards are more useful when they have a limit. Cardholders can not only overdraw their consumption, but also borrow cash in advance.