I'm not sure if I have the ability to pay off my credit card debt. Why should I handle him? This assumption is obviously very illogical. If I don't have the ability to pay my debts, I will borrow money from a credit card for consumption. Is it meaningful to spend your own tomorrow? This is not only related to personal credit information, but also related to whether it violates the law. If many people do this, it will cause great hidden dangers to the credit system of the whole country. According to the regulations, banks and any card processing department should not do so. When verifying whether the cardholder has frequent credit card debts, the bank and credit personnel must carefully examine the qualifications according to the regulations and cannot issue credit cards at will. It's not impossible for a salesman to get a credit card for performance or for a cardholder to get a card discount or a red envelope benefit provided by the bank, but don't overdraw at will after you get a credit card, it will become a card slave. Borrow new accounts and pay off old ones. In the end. Your debts snowball until you can't pay them off on your own. You may be forced to commit crimes or even break the law.

so personally. I will never get a credit card when I am not sure whether I have the ability to pay off my credit card debt. Even if I know I have the ability to pay off my credit card debt, I won't apply for a credit card, because I am an old-fashioned person and I don't like to overdraw my future money to do my present thing.