No, I personally believe that you should leave yourself some room for everything, but when we are not sure whether we have the ability to pay off the debt, we do not recommend applying for a credit card.

Of course, everyone’s understanding of credit cards is different. Even if some people apply for a credit card, they may not overdraft. Therefore, applying for a credit card is a personal choice and represents everyone’s choice. Emergency situations are handled differently.

Personally, I will not apply for a credit card when I am not sure whether I have the ability to pay off the debt, because I am worried that my credit will be reduced when I cannot pay off the credit card debt. , affecting your own life and the lives of your family.

I am a cautious person, which means I am very cautious about finances. I do not seek wealth, but safety and health, so I will not overdraft my credit card. To gain greater benefits for myself, I will think about whether I have such ability. Before I have such ability, I will not think about credit cards.

I believe that many people have the same idea as me, but in the end they still couldn't withstand such a possibility, so they chose to give it a try. Some people are able to repay, and some people are not. Without ability, our lives will become endlessly entangled.

In order to avoid such entanglements, I will not choose to apply for a credit card when I am not sure about my ability, so I will not apply for a credit card.