First of all, middle-and high-income people with high annual income and rational consumption are suitable for using credit cards. These people are relatively well-off, able to manage their income and expenditure independently, have stable jobs or sources of income, and pay more attention to the quality of life. At the same time, they have clear plans and arrangements for the credit card limit, consumption records and repayment ability, so the risk of using credit cards is also small.
Secondly, people who travel frequently are also suitable for using credit cards. When you go on business or travel, you need to spend a lot of money. Using a credit card can be convenient and quick, and you don't have to worry about the safety of bringing enough cash. In addition, in some foreign regions, it is more convenient to use credit cards than cash, and you can enjoy more discounts and concessions.
Finally, people with good credit records are also suitable for using credit cards. Such people have higher credit evaluation, can get higher credit limit and more preferential activities, and can also enjoy more credit card services, such as installment payment and point redemption. However, it should be noted that it is necessary to maintain a good credit record and develop good repayment habits.
In a word, credit card is a very convenient way of spending, but not everyone is suitable for it. When choosing whether to use a credit card, you need to consider it comprehensively according to your own economic strength and consumption habits to avoid causing economic burden and credit risk.