Yes, there are 4 credit cards in my name. From 2014 to 2017, I have not cut the cards. They are all processed according to my own needs.

I first applied for my first credit card in 2014. The credit limit was 15,000 yuan. I had just graduated and just started working. The limit given to me by the bank was 15,000 yuan. In fact, it was quite a lot. At that time, 3 times the salary.

After I started getting this card, I used the credit card for all my expenses in big shopping malls. Sometimes I also bought random bags and clothes. On the day of repayment, I still felt that my cash flow was very tight.

Although I save every month, I still feel that the money in my credit card is spent too fast, and I don’t make money faster than I spend it. You must be able to keep accounts. A good feature of credit cards is that they are convenient for accounting. Gradually, you will clearly understand where you spend the most every month.

For example, clothes, bags, and shoes, and then you start to wonder, did you even buy things you shouldn’t have bought? Slowly, I started to cut off some unnecessary expenses, such as very trendy clothes that I would no longer wear after one season, or too many high heels, which I actually couldn’t wear so much.

Then I applied for a second credit card in 2015. I will start to pay attention to the card’s discounts and try to buy necessary things at the right time. Sometimes I will do some shopping, but not as much as before. serious.

I will pay more attention to the points information, because the points can often be exchanged for airport VIP lounges, which are very comfortable, and also have airport transfers and dedicated channels. When traveling for work abroad, you no longer need to crowd around.

In the past two years, I have applied for two cards just because there is a 2.5% rebate on overseas purchases every month, which is very impressive. There is also 1% of monthly consumption used as cash, and the lifetime credit limit reaches 30,000 yuan.

Although it is not much, I feel very happy. I am very proud of my on-time repayments every month. Therefore, many people think that credit cards are evil, but in fact they are caused by their inability to use them.

When did you get your first credit card? Come and share with us.