The reason why I do this is mainly based on the following reasons: First of all, for me, I don't like to create too much pressure on myself in my life if my income is not very high.
If I can't spend more, then I won't apply for a credit card to satisfy my consumption desire. I can't afford to pay off my credit card debt and get a credit card.
There is no doubt that this is an act of quenching thirst by drinking poison, which will only make you fall into the abyss of advanced consumption step by step, especially young people.
This practice is very undesirable. And when I am not sure whether I can pay off my credit card debt, I still go to get a credit card.
Then it also induces blind consumption to a great extent, which will bring great confusion to myself, even if I have enough determination not to use this credit card I have done.
But if the credit card is not used for a long time, there will be a certain annual fee, which will increase my own expenses invisibly, so for me.
I won't get a credit card for no reason, especially if I haven't paid off my debts. It is very important for a young man to develop rational consumption habits, which is also an important factor for his success.