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 can't pay off my credit card debt myself. Undoubtedly, drinking poison to quench thirst will only make me fall into the abyss of advanced consumption step by step.
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.
Good luck with your work!