Why should you contact him if you are not sure whether you have the ability to pay off your credit card debt? This assumption is obviously against logic. If I don't have the ability to repay my debt, I will apply for a credit card to borrow money for consumption. Does it make sense to consume your own tomorrow? This is not only a matter of personal credit reporting, but also a matter of whether it violates the law. If many people do this, it will cause huge hidden dangers to the entire country's credit system. According to regulations, banks and any card processing department should not do this. When verifying whether the cardholder has frequent credit card debts, banks and credit officers must carefully review the qualifications in accordance with regulations and cannot issue credit cards at will. If a salesperson applies for a credit card for performance reasons or a card applicant wants to obtain card discounts or red envelope benefits provided by the bank, it is not impossible, but after you apply for a credit card, do not overdraft your purchases at will. , then it will become a card slave. Borrow new debts to pay old debts. to the end. My debts snowballed to the point where I could no longer pay them off with my own ability. They may be forced to commit crimes or even break the law.

So for me personally. I will never apply for a credit card if I don’t know whether I have the ability to pay off my credit card debt. Even if I know that I have the ability to pay off my credit card debt, I will not apply for a credit card because I am an old-school person and I don't like to use future money to do things now.