First of all, for me, I don't like to put too much pressure on myself in my life. If I say that my income is not very high and I can't spend more, then I won't apply for a credit card to satisfy my consumption desire. I am unable to repay my credit card debt. Undoubtedly, it is an act of quenching thirst by drinking poison, which will only make you fall into the abyss of advanced consumption step by step, especially for young people.

Moreover, I still have to apply for a credit card when I am not sure whether I can pay off my credit card debt, which will induce my blind consumption to a great extent and bring me great confusion. Even if I have enough determination not to use this credit card I have done, if the credit card is not used for a long time, there will be a certain annual fee, which will increase my expenses invisibly, so for me, I will not apply for a credit card for no reason, especially if I am unable to pay off my debt. For a young man, developing rational consumption habits is an important factor to ensure his success.