However, some consumers are "afraid" to apply for a credit card, not because they are not qualified to apply for a credit card, but because they are worried that they will not be able to repay the loan after using the credit card, and they don't want to make ends meet because of the mode of spending in advance. Riding an ox to see a bear thinks that such consumers are a very rational group, but they should also analyze according to their actual consumption situation. Maybe everything will be different after having a credit card.
when a consumer applies for a credit card, a commercial bank will review the applicant's qualification, and assess it through the work unit, salary, bank flow, fixed assets and other aspects, which is actually an assessment of the individual's economic situation. If the applicant does not meet the application conditions or the personal debt ratio is too high, it is difficult to pass the credit card approval. Even if it is barely passed, the credit card quota is often low. Therefore, it shows that the applicant who gets a high credit card has good repayment ability.
when using a credit card, the cardholder can spend a fixed amount of money every month, just like the usual mobile phone payment or cash payment. Riding a bull to see a bear thinks that there is no need to deliberately consider the extra credit limit of a credit card, but it is only "not available". However, when you use a credit card to pay for consumption at ordinary times, you will find that in a few months, except for the operation of full repayment by a credit card once a month, basically the expenditure has not changed much.
after a period of use, cardholders will also find that some shops can use credit cards to discount, and they can enjoy activities such as "three people traveling together and one person free of charge", "half price on Friday" and "double points accumulated by spending", and they can spend money without going abroad, even if they travel in many countries, they don't have to worry about the payment problem caused by the disunity of currencies. Riding a bull and watching a bear find some smart cardholders, and they will also invite their good friends to the shops designated by credit cards for dinner when they are invited to parties, which can also save a sum of daily expenses.
If the cardholder is afraid that the actual consumption amount will increase after using the credit card every month, he can consider using the bookkeeping function. Every consumption is recorded in the mobile APP account book, so that it can also be compared with the consumption situation of last month, and at the same time, it will not worry about being unable to repay because of excessive consumption. Riding an ox to see a bear thinks that this can not only ensure the monthly plan of increasing revenue and reducing expenditure, but also avoid the situation of making ends meet.
even in the process of use, there are expenses for purchasing household appliances, decoration and other large commodities, which leads to the short-term inability to repay in full. Credit card repayment also has two delayed functions: installment repayment and minimum repayment. Cardholders can delay repayment through this function, and achieve rational capital turnover while reasonably controlling their living income and expenditure, which is also a better way to use the "gap" for living consumption.