But there are some special circumstances.

For example, it is more convenient to use credit cards abroad, so some rich people have objective needs, so they do/

Also, some rich people don't know about credit cards. Because they are potential high-quality customers of banks, bank salesmen use various means to let them do it.

Others are handled in groups, for example, bank employees are related to the leaders of a certain unit. In short, all units handle it at the same time, just like many units use credit cards to award prizes. There are also some credit cards that are specially used for specific purposes. For example, some companies need a credit card for business trips, so that when reimbursing, you can know how the money is used according to the credit card bill. etc

There are also some special credit cards, which are status symbols. For example, some so-called diamond cards in the past, the total amount is horribly high, such as China Merchants Bank launched an unlimited credit card, which can be overdrawn without an upper limit. Theoretically, if a rich man has this card, he can swipe as much money as he can.

But most people who take the initiative to apply for credit cards don't have much money. As you said, if they have money, do they need to borrow money from the bank?