In the past, I was determined not to apply for a credit card.

There is no special reason, I just don’t want to do it. I feel that apart from the mortgage accident, I should not spend future money. I have never had a good impression of credit cards.

But from the autumn to winter of 2015, I often sat in a startup coffee in the development zone, and there was always a girl there. She always urged me to apply for a card. I always refused, but I still recommended her to my friends and added her on WeChat after she went a few times.

Later one time, she went there again and teased me again. My friend also persuaded me to get one for the little girl. I thought about it and I got one, and finally I got one. Once it was done, it was done. I had no intention of using it at first, so after I got it, I put it at home.

But later, she still went to the coffee shop and urged me to use it every time. I always said okay, okay, but I still didn’t use it. After a while, she finally called and said cowardly that if I didn't use it before the end of the month, she would be deducted from the money. I have never worked in the credit card business. I don’t know if what she said is true. In fact, whether it is true or not, it is all her business. She forced me to do it. The fruit I sown is with tears in my eyes. Yes, but then I thought about it, I don’t have much to lose by using a credit card. I can also help others complete a task, which can be regarded as a pleasure to help others.

After that, I have been using credit cards until now.

In addition to credit cards, I also opened Jingdong white bars and Jingdong gold bars.

I found that when you are alone in such a big city, credit cards, JD white bars, JD gold bars, and Ant Huabei, which I have not opened yet, are the most reliable. When you are temporarily short of money When you are in trouble, it is better to open your mouth to others than to open your mouth to credit cards, white bars, and gold bars. Although the interest is not low, it does not extend anyone's favor.

People are the most unreliable things. Today, we are lucky that we are brothers and sisters, but we may be strangers tomorrow. We are still hugging each other closely tonight, but tomorrow night, we will ignore your hard work and scold you for not being able to make money. money. But credit cards don’t make you feel sad and happy like this. Although he will not comfort you even if you are haggard, he will not turn his back to you and give you a cold face. As long as you need it, he will donate generously. As long as you borrow and repay, he will give you money. It is no longer difficult to borrow. Nothing can make you feel more warm than a credit card.

As a young man working hard in the city, I gradually discovered that I can only rely on myself for everything. When I am short of money, I rely on my credit card. Although such days are a bit bitter and difficult, they are not a disaster. However, it still allows me to retain the last bit of calmness in my most depressed days. I am grateful to the credit card.