Well, it's silly to save money first and then spend it with a credit card, because the money saved is your own money. First, there is no interest to take. Second: what kind of credit card do you call when you pay for things yourself? Just get a savings card. Third, if you want to take out the money you put in, you have to pay a handling fee. This is a trick.

Then, if you don't save money all the time, you will increase the credit limit. As long as you repay according to its repayment date and minimum repayment amount, your credit will basically not be affected. However, if the repayment is not made on time after the latest repayment date stipulated by the bank, there will be a collection at this time. Someone will call you or send you a letter to remind you to pay back. If you are an old hand, this time will affect your personal credit problem. Once there is a problem with personal credit, it will be a little troublesome in the future. . . It means that you have a stain that has been following you.

Personal point of view. . . The language organization is not perfect enough, it is purely for reference!