Now is the information society. With the change of people's lifestyle and payment methods, basically everyone will have several credit cards (debit cards). Of course, many people won't, because they think I don't need my money to spend. In fact, the richer people are now, the more they will handle credit cards (debit cards), and they will still handle that kind of high-end credit cards (credit cards).

Then why? Because even if you have money now, you may not be short of money. The richer people are, the greater the capital turnover. If there is no cash flow, it will definitely involve loans. Bank loans depend not only on your assets, but also on your credit. Having good credit has advantages over assets.

And everyone's credit is displayed by using credit cards (debit cards) at ordinary times. The credit record will reflect which bank's credit card (debit card) you have, how many, and whether the card is overdue. Good credit cannot be achieved overnight. It needs to be maintained for a long time and accumulated slowly.

The more high-end credit card (debit card), the more you can prove that your credit is good and your trust in the bank is high. When you need to apply for a loan, the bank will give you a large loan with confidence. Moreover, a credit card (credit card) is not completely blank in the credit record, and the bank can't judge whether your credit is good or not, so it is difficult for Xiaobai and Xiaohei to use credit cards (credit cards) and loans.

So getting a credit card (debit card) doesn't necessarily mean that you are short of money, but it means that you use a credit card (credit card) to show your good credit. Convenient for better development in the future. Everything has two sides. As long as we make rational use of the advantages, we will certainly get what we want.