Legal analysis: There will be no impact. There is no conflict between using credit cards and low-income households. Credit cards are not assets and will not affect the qualifications of low-income households. The minimum living allowance mainly examines the family's fixed assets, personal income and family health, and the credit card mainly examines the proportion of personal consumption expenditure. The two have little to do with each other, so if you are a low-income household, you can also apply for a credit card, and the two do not affect each other. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

legal basis: article 4 of the regulations on the minimum living guarantee for urban residents shall be implemented by the local people's governments at all levels. The civil affairs departments of local people's governments at or above the county level shall be specifically responsible for the management of the minimum living guarantee for urban residents within their respective administrative areas; The financial department shall, in accordance with the provisions, implement the minimum living guarantee fund for urban residents; Statistics, prices, auditing, labor security and personnel departments are responsible for the division of labor, and are responsible for the work related to the minimum living guarantee for urban residents within their respective responsibilities.