I will not apply for a credit card, mainly for the following reasons:

First of all, for me, I don’t like to create too much trouble for myself in life. A lot of pressure. If my income is not very high and I don’t have the ability to spend a lot of money, then I won’t apply for a credit card to satisfy my consumption desires. I don’t have the ability to pay off credit card debt. Buying a credit card is undoubtedly an act of drinking poison to quench thirst. It will only make you fall into the abyss of excessive consumption step by step. Especially for young people, this approach is very undesirable.

And if you apply for a credit card if you are not sure whether you have the ability to pay off your credit card debt, you will be inducing you to consume blindly, which will bring you many consequences. I am very confused. Even if I can have enough determination not to use the credit card I have applied for, if the credit card is not used for a long time, there will be a certain annual fee, which will also increase my expenses invisibly. , so for me, I will not apply for a credit card for no reason, especially if I do not have the ability to pay off the debt. For a young person, developing rational and rational consumption habits is An important factor in ensuring your own success.

If you are unsure about your financial situation and repayment ability, it is recommended that you carefully evaluate your financial situation before applying for a credit card to ensure that you have the ability to repay your credit card bill on time.

In addition, before applying for a credit card, you should carefully read the credit card terms and understand the credit card's interest, annual fees, repayment rules and other important information to ensure that you can meet the credit card usage and repayment requirements.