I will, because it is too difficult to borrow money now, and I have a card as a backup in case I need money urgently. As long as you use it properly, credit cards are really convenient to use, and you can also spend points on your purchases as money.

Nowadays, more and more people are using credit cards, and many people even hold multiple credit cards. Many people have solved the problem of financial difficulties through credit cards, which also facilitates daily consumption. However, since credit card consumption does not have the same sense of substance as banknotes, even if a large amount is consumed, for some cardholders, it is just a bunch of numbers and has no actual concept. As a result, some cardholders with weak self-control may over-consume, or even completely ignore their own economic conditions. Once you wait until the repayment date, you will realize that you have not paid it yet when you see the bill! In desperation, the only way to alleviate the repayment pressure is to maintain the card. However, using your credit card to maintain your credit card cannot help you get rid of all your debts, and may even make you become a card slave. If you want to get rid of the card slave life, you must learn how to save yourself!

1. Control consumption desires. In addition to situations where money is urgently needed for emergencies, the main reason for not paying back debts is excessive consumption. Therefore, if you want to truly get rid of the card slave state, you must first find out the problem at its source. The most important thing is to control your consumption desires and consume rationally. You must know that the money you owe on your credit card will eventually need to be paid back. Based on your actual financial situation, re-plan your living expenses and control your overdraft limit to ensure that it is within your repayment ability.

2. Develop a repayment plan. If you have a large number of credit cards and many of them have outstanding balances, it is best to start with the smallest card. Whenever wages are paid, they need to be allocated reasonably based on your arrears. No matter how much you take out to repay, you must pay off the card with the smallest balance first. Because if you pay back a little bit on each card, it may take a long time to pay off, but in the end all the cards will have outstanding balances, and even one card will not be fully paid off. This also discourages debtors from repaying their debts. And when you pay off a card, you will feel less pressure to repay, so you have the motivation to repay. The next card will continue to be repaid in this way, and the repayment pressure will become less and less.

3. Change consumption habits. When you have a large credit card debt, it is best to use cash for consumption as much as possible. Because only when paying with cash can we truly feel the flow of money. Only by experiencing this real sense of consumption can we have the consciousness of rational consumption. 4. Reduce the number of credit cards. Usually, card users with large debts will have a typical characteristic, that is, they hold too many credit cards. Because they want to repay their debts by using cards to maintain their credit cards, they have to pay for their debts, resulting in an increasing number of credit cards. Having too many credit cards is not only difficult to manage, but it is also easy to forget the repayment time and cause overdue payments. Therefore, you must clean up your credit cards in time. Credit cards that are of little use to you should be canceled in time. Only two or three credit cards are enough. Although a credit card allows you to enjoy the convenience of spending in advance, using it does not mean that you don’t have to pay it back. Therefore, you should use credit cards rationally to spend. If you feel that your self-control is limited, you can apply for a few fewer cards. If you have become a credit card slave, don’t be too pessimistic. As long as you know how to save yourself, even if you become a slave, you will be able to turn around one day.