First, directly refuse, directly say that there is no need for a credit card. Second, politely refuse. If you directly refuse to hurt your feelings, you can politely refuse. You can start with your family. For example, family members think that it is not good to apply for a credit card, it is easy to overdraw and it is very troublesome to pay back the money. In short, applying for a credit card is not a trivial matter. It is best to consider according to your own needs, and don't be afraid that refusing to apply for a card will affect your feelings.