Parents who don’t let you spend in advance are worried about your self-control ability. I think that the current Huabei service under Alipay and Baitiao service under JD.com have satisfied the needs of a large number of young people for funds and consumption. needs.

In this way, there are still many people whose credit is stained because of overdue payments. They will not be able to get loans for future home loans and car loans, and will not be able to buy houses and cars. This is a very real problem. In China, There are still a large number of people who cannot afford to buy a house, and some of them are still paying off the mortgage. Let me tell you honestly, I will be one of the people who will buy a house with a loan in the future. My parents may help with the down payment, and the rest will be left over. You have to earn money to pay it back, and houses are so expensive now that many people can't afford to spend millions at once.

But that’s not to say that it can’t be applied for. I also have a friend who has applied for several credit cards. Because he likes Honor of Kings, he also applied for a co-branded credit card. He said that the reason for applying for a credit card is because there are many activities. , you can also maintain the card to prepare for a higher limit in the future, and let me apply for it. I think I can't use that much money as a student, and I won't be able to pay it off, so forget it.

Of course, if your parents do not allow you to apply for a credit card, you must not take online loans! There have been a lot of news about this in recent years, and I hope the person in question will take a warning! Finally, remember to return the Huabei Baitiao in the second month! The final repayment date is the 9th for Huabei and the 3rd for Baitiao.