1, people who are worried about their blind consumption
Unlike paying cash, swiping a card is not a sum of money, and there is no feeling, so it will lead to blind consumption and spend money like water. However, what to buy and what not to buy can be treated rationally?
2. People who think the interest rate is too high
If you can't take care of your credit card and can't repay it on time on the final repayment date, the bank will charge higher interest, so the cardholder is required to repay it in full and on time, otherwise, you can only blame yourself for charging the handling fee.
3. People who are worried about being stolen
Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary trouble or loss. In fact, credit cards can also apply for spending with passwords, depending on how you manage credit cards.
4. People who are afraid of affecting their personal credit records.
Here refers to those cardholders who have long-term malicious arrears, which will naturally affect their personal credit records and even be blacklisted by banks. It will be difficult to buy a house and a car from the bank in the future. However, if you are a person who can repay in full and on time, your credit history will not be affected.