The question and answer is very general. I am an entrepreneur, so I choose to answer

Should I apply for a credit card?

The answer is yes, yes.

1. Why do you need a credit card?

Credit cards can bring extra points to your personal credit score, but if used incorrectly, it can be a disaster.

Credit cards can bring you benefits, points can give you gifts, you can get cash back for eating, you can watch movies for free, etc.

Credit cards can give you interest-free use.

2. How to use it?

Credit cards have so many benefits, so you need to control them yourself. If you really can’t control them, just talk to the bank directly. The monthly limit is 1,000 yuan. If you use too much, they won’t be recognized. Let the bank lock the limit given to you. Don't swipe your card randomly, don't spend in advance, and don't take advantage of small things.

3. Banking institutions

As a banking institution, the issuance of credit cards has strict review requirements. In order to improve performance, salesmen will do whatever it takes to provide customers with services. Creating false information has led to a large number of people who are not qualified to use credit cards, and the consequences can be imagined. Of course, there are also reasons of their own, and banks have greater responsibilities.

4. Credit card market

China’s consumer group is so large. Credit cards are also a means for banks and merchants to make profits. If there are no credit cards from banking institutions, there will be similar products in the same market. output. For example, with the massive emergence of Alipay’s Huabei, Jiebei, Weilidai, and P2P, everyone wants to get a piece of the bank’s cake!

In short, if you don’t apply for a credit card, there will be other products similar to credit cards for you to use. The key is self-discipline! Control your limit and don’t spend it casually! It will be a disaster when the card is maxed out and there is still no repayment!

A credit card is a killing knife and a living sword.

Of course you need to apply for a credit card. I have been working in finance for so many years and have always explained the following concepts to people:

1. We must establish a correct outlook on financial management and finance. Everything has its two sides. The correct view of financial management is not to return to the conservative concept of spending as much as you earn, but to learn to dance with the wolf, make good use of various new financial management tools, and keep pace with the times. Let the tools serve us and plan our personal spending and investment, especially cash flow management.

2. We have to see that credit cards have benefits. The interest-free usage limit of up to 42 days can actually allow us to have an extra amount of liquidity. Large installments are equivalent to saving us the trouble and waiting time of applying for a loan. Not to mention there is a points system and some supporting small benefits. As long as the concept of consumption is correct, credit cards are not an excuse for us to spend indiscriminately. Just like an ax is just a tool, it can be given to a woodcutter to make money, but given to a murderer, he can use it to hurt people.

3. Credit cards can cultivate our credit history and prevent us from becoming a credit failure. For example, there is a misunderstanding. People think that it is a good thing that financial institutions do not have any records, but it is actually a bad thing. Without any records, it will be difficult for banks to quickly approve your home loan and car loan application. And having a credit card makes the bank think that you are a potentially profitable customer and are more willing to serve you.

Therefore, having a credit card is a good thing. As long as you make good use of it, it will help your future family and life.

If you think it is good, please like, comment, forward and follow.

Regarding use, it is not necessary to apply for a credit card. Today, there are endless Internet personal credit products. The most famous ones include Ant Huabei, Ant Jiebei and JD Baitiao. Ant Huabei’s interest-free period and credit card Very similar; the interest rates for some users on Ant Borrowing are even much lower than the interest rates for credit card cash withdrawals.

More and more young people are unwilling to apply for a credit card, and some of the reasons are quite strange. Why don’t they apply for a credit card? He replied that he couldn't control it because he was afraid that if he spent too much on impulse, he would not have the money to pay back next month. However, when he got his salary every month, he had to pay back Huabei and IOUs immediately, which were quite a lot.

Regarding credit, if you have the habit of using Huabei or borrowing money, it is recommended to apply for a credit card. Because the interest-free period of credit cards is long, the longest interest-free period for general credit cards is 45-50 days, and the longest interest-free period for Huabei is 41 days. These extra days are of no use at ordinary times. At critical times, such as forgetting to repay the loan. , a longer interest-free period is good, and credit cards have a 1-3 day repayment grace period. I only used the grace period once, and it almost expired. I remembered it on the last day of the grace period, and I had really forgotten it. Is there anyone else like me?

Having a good credit card record is a bonus for personal credit. The credit card limit is equivalent to a short-term interest-free loan. This cannot be compared with Huabei or Jiebei. Huabei and Jiebei’s credit limit can How high? The highest I've seen is tens of thousands of dollars. You can apply for many credit cards, and the cumulative limit is high.

If you can’t control your desire to spend money, it is recommended not to apply for a credit card, nor to open Huabei and Borebei. Only by living within your means can you feel comfortable.

Although various advanced consumption methods are emerging online, such as Alipay's Huabei and JD.com's Baitiao, these are similar to credit card advanced consumption models, and they do bring a lot of convenience. But credit cards also have their advantages.

1. Credit cards have an interest-free repayment period. Every bank credit card has an interest-free period, and you can enjoy an interest-free repayment period of up to 55 days depending on how long you use the card. People who know how to use credit cards use credit card money to meet their own needs, and use their money for financial management during the interest-free period to gain profits.

2. Many preferential rights attached to credit cards. Credit card issuers will provide many additional benefits and benefits to cardholders, such as supermarket co-branded cards, which enjoy shopping discounts and double points; car owners’ credit cards enjoy gas rebate discounts; airline co-branded credit cards can be redeemed with points Mileage etc.

3. Credit cards accumulate personal credit. People who have no loans or credit cards now are called white households, which will have an impact on applying for mortgage loans in the future. Therefore, applying for one credit card and using it for a few years is very helpful to accumulate your own credit.

Therefore, it is recommended to apply for a credit card, no more than one.

If you know how to use a credit card, you can make a comeback. If you don't know how to use it, you will be in debt and may also be jailed.

Credit cards are not suitable for everyone. Some people cannot use them. If you are one of the following types of people, it is recommended not to apply for a credit card.

1 People who don’t like to learn

When applying for a credit card, you need to learn its usage rules. It does not mean that you just swipe and swipe after you apply for the card. Carefully step on the bank’s risk control in one step. , it can range from a reduction in credit limit to a serious card closure. If you can't turn around your funds and you can't afford to pay them back, it's very easy for your credit to go bankrupt.

2 Blind consumption comparison

After applying for a credit card, it is also very difficult to think about showing off yourself or buying high-end luxury electronic products that you did not dare to buy before, and cannot control your consumption. It’s easy to fall into a trap. After all, the money you spend has to be paid back.

3 Gamblers

Gamblers have a bad habit. They naively think that they can win money, and in the end they get themselves deeper and deeper into trouble. As long as they have a little money, they will suffer. Not to mention the credit card, just use it! The card will be empty after you wake up.

4 People with old-fashioned ideas

Credit cards do not have interest. The key is to know how to use them. Some people always think that credit cards are usury, and anyone who wants interest is a usurer.

The above types of people should stay away from credit cards, it is not suitable for them! When you say whether you want to apply for a card, the key depends on whether you are among these types of people?

Hello friends! Credit cards are like a double-edged sword. They have one side for emergencies and reasonable planning of credit consumption, and another side, which is: once used carelessly, it may bear heavy financial and mental burdens, and even bear legal liability. Families suffer long term effects!

To be clear: Credit cards are convenient for daily economic life, but they are not necessary. Whether to apply for one or not depends on many factors:

1. The situation of not applying for a credit card!

1. If you don’t have a stable income, it’s best not to do it, otherwise you won’t be able to catch up, send private messages overdue, and be burdened with a heavy burden that is difficult to solve!

2. If you are not good at planning and managing money, it is best to stay away from spending money lavishly, otherwise you will be happy in the moment and suffer in the long term!

3. It is best not for the elderly to use credit cards! One is the possibility that the credit card will be stolen again, and the other is that various dates need to be calculated clearly. Once forgotten, the consequences will be serious!

4. It is best not to invest, make money, stock trading, etc.! Credit cards have rigid repayment and strict deadlines. Once overdue, the fees will be high and the consequences will be serious. And any investment has risks, and the gain is not worth the loss!

Second, when you need to apply for a credit card!

1. If your income is stable and all types of income and expenses are planned, you can consider applying for a credit card and give full play to the interest-free advantage!

2. Very knowledgeable about credit card knowledge, rules, and high self-control ability. Can apply for credit cards, provide convenience for life, and effectively control risks!

3. Temporary emergency, short-term turnover, very suitable for credit cards!

To sum up: a credit card is a multi-functional credit financial instrument with strict rules, so its advantages also lie in short-term, turnover, consumption and emergency! Once it is used as other means, its other side will appear. The cost is high, there is little room for negotiation, and the laws and regulations are strict... Once it is on the credit blacklist, it will take 5 years to clear it after paying it off... Therefore, use credit cards reasonably. Having a certain stable income and financial strength is the basis for applying for a credit card!

There is a small card called a credit card. It can both make us feel comfortable and make us feel troubled. What makes us feel comfortable is that it can help us solve money problems and troubles in our lives. When we repay the loan, we find that we have no money in our pockets, so people who support credit cards appear on the Internet, and there are also people who are opposed to using credit cards. Sometimes we find that there are far more voices of opposition than support. sound, but the credit card still exists in our wallets, which shows that its existence has its value.

Personally, I still need to apply for a credit card. In addition to being convenient for our daily consumption, we can also earn points and redeem some small gifts. More importantly, we can In the future, when we need a large amount of funds, we can use the credit accumulated by credit cards to obtain loan funds from banks to solve our urgent needs.

The same card has been used in two different lives. In the final analysis, a credit card is a financial payment tool. The key lies in the person who uses it. If you have super If you have the ability to control yourself, have a life planned for yourself, and use money reasonably where it should be used, credit cards can help you when you need money most crucially.

On the contrary, if you use your credit card strictly for shopping and consumption, then it will be a bottomless pit and will lead you step by step into an infinite cycle of debt, leaving you You will never be able to save money, and you may even be in debt.

You must apply for a credit card. There are many benefits of a credit card. I summarize the following points:

First, establish your credit record. With a good credit record, you can get approval quickly. Loan matters you need.

2. Take precautions and prepare for emergencies. There is no need to ask for help at critical moments, and you can pay directly by swiping your card.

3. Convenient payment, convenient online and offline transactions, and installment payment to relieve economic pressure.

4. Credit cards have a certain period of interest-free period. The interest-free period of each bank is different. The short period is 25 days, and the long period is 56 days.

There are many benefits of credit cards, but you must use them correctly, do not cash out, spend rationally, remember to repay on time, and must not be overdue. Overdue will not only incur liquidated damages, but also Have a bad credit record!