Although credit cards are more popular now, there are still many people who don't even have a card. It's not that they don't have the conditions to apply for a card, but they think that the money in the credit card is not theirs and they have to repay it, so they might as well not use it. It may seem like a good idea to do this, relying on one's own resources without relying on external help, but if you look carefully, people who don't have a credit card really miss out on a lot of wonderful things.

First of all, they missed the opportunity to be white. People who have applied for credit cards or loans will not have blank records on their credit reports. Compared with loans, the threshold for credit cards is low. If you meet the basic conditions for applying for a card, you will have the opportunity to apply for the card, and then build a good reputation by using the card and repaying the loan. Credit is a great help whether you are applying for bank credit or finding a job in the future.

Secondly, they miss the opportunity to save money. Nowadays, in addition to saving money through group purchases and joint orders, there is another way to save money by swiping credit cards. In terms of consumption alone, many banks have launched various preferential activities, such as China Merchants Bank’s 50% discount on dining on Wednesdays, GF’s 50% off on overseas shopping on Fridays, 12% off on gas purchases with Ping An Credit Card, etc. Banks have cooperative merchants in various fields including food, clothing, housing, transportation, food, drink and entertainment. Not to mention that high-end cards also provide a wealth of value-added service benefits, such as free golf, teeth cleaning, physical examinations, airport VIP rooms and fast lanes, as well as airport transfers, roadside assistance, and even high-cost insurance, many of which are available. The service that money can't buy is worth it just thinking about it.

Finally, they also missed the opportunity for capital turnover. Credit cards are not only for consumption, but are also a tool for capital turnover. At the initial stage, they can provide services such as credit card cash withdrawals and cash installments. At the advanced stage, there are also large exclusive cash loan limits. It can be said that with a credit card, if you need money urgently, you don’t have to run around and look for someone to borrow money. Of course, credit cards have advantages and disadvantages. People who have cards still have to spend moderately and repay them on time.