That depends on how much you overdraw. If you overdraw your repayment ability, you will certainly not be able to repay your credit card. Conversely, shopping by yourself is more rational. There is not much credit card overdraft, so it is not difficult to pay off debts.

I will think about it, but I may not do it.

The reason why I don't want to apply for a credit card

First, third-party payment grabs the market.

Third-party payment should not be too popular now. Spending money, borrowing money, JD.COM white money, micro-credit and so on can all replace credit cards. Moreover, compared with the complicated procedures for applying for credit cards, these credit card services are simpler and users' desire to apply for credit cards is decreasing.

Second, credit card application scenarios are limited.

When you use other platforms, especially large platform products, you can add your own credit system on this platform, so there are some discounts or gifts. But credit cards may only be effective if they cooperate with fixed businesses. The banking system cannot communicate with each other. You can't go shopping with a dozen cards.

But it will be different if you open a flower garden on Taobao. Merchants who contact him on or off the platform can use it, much more than credit cards.

Third, there are too many credit card pits.

In the process of using credit cards, banks have set up many pits, so that users will be fooled if they are not careful.

As long as you exceed 10 thousand, the bank will call you and tell you all kinds of benefits, such as points and gifts, but they will only tell you the benefits of staging, not the high handling fee.

There are many similar scenarios that make cardholders seem to take advantage, but in fact they have to pay more.

Many credit card holders are reluctant to use credit cards because they have suffered several losses.