There is no absolute statement about this. My personal opinion is that credit card has become a financial management tool in our daily life, which makes consumption more convenient and has little to do with personality; However, if a girl overdraws too much, it shows that she has strong spending power. If she wants to raise it, she will spend more money and pursue the quality of life. And if a girl doesn't have a credit card, it means that her spending power and income are not too high and she is conservative.