The following four types of people generally do not use credit cards: \x0d\ 1. People who are worried about their blind consumption \x0d\ swipe their cards, unlike paying cash, and they don't feel much, so they will lead to blind consumption and spend money like water. However, what to buy and what not to buy can be treated rationally? \x0d\2。 If people who think that the interest rate is too high can't apply for a credit card, so they can't repay on time when the final repayment date comes, the bank will charge higher interest, so the cardholder is required to repay in full and on time, otherwise the handling fee will be hard to blame. \x0d\3。 People who are worried that their credit cards will be swiped \x0d\ are basically swiped without a password by default, which is easy to be swiped by others when they are lost or stolen, causing unnecessary troubles or losses. In fact, credit cards can also apply for spending with passwords, depending on how you manage credit cards. \x0d\4。 People who are afraid of affecting their personal credit records \x0d\ here refer to those cardholders who have long-term malicious arrears, which will naturally affect their personal credit records and even be blacklisted by banks. It will be difficult to buy a house and a car from the bank in the future. However, if you are a person who can repay in full and on time, your credit history will not be affected. \x0d\ For more information about people who never use credit cards, please visit:/ask/9E9B5e1615825539.html? Zd view more content