I definitely won't apply for a credit card if I'm not sure whether I can pay off my credit card debt. The reason why I do this is mainly based on the following reasons. First of all, for me, I don't like to put too much pressure on myself in my life. If I say that my income is not very high and I have no ability to spend more, then I will not apply for a credit card. Satisfy one's consumption desire. I don't have the ability to pay off the credit card debt myself. Getting a credit card is undoubtedly an act of quenching thirst by drinking poison. I will only let myself fall into an abyss of advanced consumption step by step. Especially for young people, this practice is very undesirable. Moreover, when you are not sure whether you have the ability to pay off the credit card debt, you still have to apply for a credit card, which is also to a great extent to induce your blind consumption. Doing so brings great confusion to yourself. Even if I can have enough determination not to use my own credit card, there will be a certain annual fee if the credit card is not used for a long time. This also increases my expenses invisibly, so for me, I won't get a credit card for no reason. Especially if you don't have the ability to pay off your debts. For a young man, developing rational consumption habits is an important factor to ensure his success.