Credit cards are not easy to handle now. First, the basic salary and welfare benefits are not high and very tired. Second, the current market environment is not good, and the policies of banks are not good; Third, the industry is shrinking. After all, fewer and fewer students graduate every year, and fewer and fewer non-renewable customers. As long as a customer has done it before, it is not a performance and there is no income. Individual banks may count, but after all, they are a minority.