If you have a conflict with your mother because you apply for a credit card, it's usually the result of going your own way without consulting your parents in advance.

Credit cards are ahead of consumption. Without strong self-control and control ability, it is easy to inadvertently owe a large amount of debt.

If you have no repayment ability or insufficient repayment conditions, it is easy to affect your credit information beyond the time limit, and then affect your subsequent demand for buying a house. Therefore, if you apply for a credit card, you should communicate with your parents under the premise of your own economic conditions, and then consider whether to apply after careful consideration.