People who don’t have a credit card are bad and will miss a lot of good opportunities.

1. First of all, they missed the opportunity to be white. People who have applied for credit cards or loans will not have blank records on their credit reports. Compared with loans, the threshold for credit cards is low. If you meet the basic conditions for applying for a card, you will have the opportunity to apply for the card, and then build a good reputation by using the card and repaying the loan. Credit is a great help whether you are applying for bank credit or finding a job in the future.

2. Secondly, they missed the opportunity to save money. Nowadays, in addition to saving money through group purchases and joint orders, there is another way to save money by swiping credit cards. In terms of consumption alone, many banks have launched various preferential activities, such as China Merchants Bank’s 50% off on Wednesday dining, 50% off on overseas shopping on Fridays by Guangfa, 12% off on gas with Ping An Credit Card, etc., including food, clothing, housing, transportation, food, drink and entertainment, and there are banks’ cooperative merchants in various fields. . Not to mention that high-end cards also provide a wealth of value-added service benefits, such as free golf, teeth cleaning, physical examinations, airport VIP rooms and fast lanes, as well as airport pick-up and drop-off, roadside assistance, and even high-cost insurance, many of which are available. The service that money can't buy is worth it just thinking about it.

3. Finally, they also missed the opportunity for capital turnover. Credit cards are not only for consumption, but are also a tool for capital turnover. At the initial stage, they can provide services such as credit card cash withdrawals and cash installments. At the advanced stage, there are also large exclusive cash loan limits. It can be said that with a credit card, when you need money urgently, you don’t have to run around and look for someone to borrow money. Of course, credit cards have advantages and disadvantages. People who have cards still have to spend moderately and repay them on time.

In fact, whether or not to use a credit card depends on your consumption concept of money. Credit cards use a concept of spending in advance. When you need money and don't have that much money on hand, you can advance the money in the credit card and get points accordingly, and then the points can be exchanged for many things. But you have to make sure you have the ability to repay. If you have the ability to repay, you can apply for a credit card. Points can be used to redeem corresponding prizes. If you don't have the ability to repay, it is recommended not to apply for it, because credit cards are now a relatively sensitive card. If you are unable to repay the loan, you may be blacklisted. The harm to the blacklist is also relatively large, such as restrictions on travel and consumption. In serious cases, it may affect the education of the next generation, so carefully consider whether to apply for it.