I won't apply for a credit card without determining my repayment ability and debt repayment ability. For useless credit cards, I usually discard them without special treatment, just put them in a forgotten corner. I bid farewell to the life of credit card slaves mainly to establish my own correct consumption concept.

Before I apply for a credit card, I will make sure that I have the ability to repay my credit card debt. First of all, I need to know the credit card knowledge of various banks, such as the key knowledge of the interest-free period of bill date and repayment date, and understand the repayment method of credit cards. Only by mastering the use of credit cards can I use them to the maximum extent. I will bid farewell to Kanu's life through rational consumption. At the same time, we should learn all kinds of skills to use credit cards safely. Rational consumption is the most critical point. Although you have a credit card, you must spend it rationally. Credit card is the premise of personal consumption. Many young people love to spend impulsively and compare with others, and often buy items beyond their ability to pay.

So, remember to live within your means before you swipe your card. Before spending, consider your repayment ability before deciding whether to swipe your card. If you really can't control your hands, then it is recommended to seal your credit card for a period of time, take cash with you when you go out, and cultivate your ability to control consumption. Use credit cards when you can spend rationally. Remember, sometimes it only takes one impulse to become a slave! Credit card is a double-edged sword. If used well, it will be of great help to life and financial management. If you don't use it well, you will fall into the bottomless abyss of card slaves, with endless card debts and endless interest. Therefore, before using credit cards, we should know more about credit cards, so that credit cards can become a tool for our financial management and value-added, not a debt. I have a lot of Kanu friends around me, all of whom are in credit card debt. It's hard to rob Peter to pay Paul.

In a word, besides being able to pay off credit card debts, I also have rich financial experience. In addition, the best way to avoid becoming a card slave is to refuse to apply for a credit card, which is also a radical way to cut off the possibility of becoming a card slave from the root. However, refusing to use credit cards does not meet the purpose of our financial management. Although the chance of becoming a slave is eliminated, this method is not recommended. One of the means of financial management is the rational use of credit cards for capital turnover.