I know what kind of personality I am. I'm too careless to spend money freely. After working for two years, I hardly saved any savings. Now I can't live aimlessly as before. Whether investing in yourself or getting married, you must have a large savings. If I have a credit card, I can't guarantee that I won't make ends meet. I didn't apply for a credit card. I think it comes down to my poverty. Those who don't understand cards are basically hearsay, thinking that credit cards can do anything. Of course, it doesn't mean that credit cards can't be done, but there are certain conditions and abilities to do it. Therefore, it is necessary to use the card step by step, enough is enough, instead of doing what you can't achieve, and it is not as simple as those attractive advertisements say. Most people who don't know credit cards regard them as a tool used by banks to make money, hoping to be persecuted. . People who know about credit cards use them as a tool to make money. . So the higher the quota, the better. . Money is not too much! ! The higher the quota, the bigger the project. . I think this kind of thing varies from person to person. Many people who agree to use credit cards on the internet have listed many benefits of using credit cards, but I want to say that those so-called benefits of credit cards have nothing to do with me! I feel a little embarrassed every time I meet someone who tirelessly sells me credit cards. I never use a credit card, not once, because I don't need it at all. I am a person who never goes to the cinema, never goes to a restaurant to eat, never goes shopping, hardly goes online, never goes to KTV, in short, never goes to any high-end places and has no high consumption. My monthly expenses are almost three things, rent, transportation and meals. The transportation is only by subway or bus, and I never take a taxi unless the company reimburses me. I don't even have taxi software installed on my mobile phone. I always go to places like public canteens and always eat cheaper meals. These expenses can't be paid by credit card, and I didn't do it because I was poor. I actually earn a lot, but my family environment and education have made me form the habit of thrift. Most of my monthly income is sent home. Because my consumption is relatively fixed, I can calculate how much money I should leave. So, can you tell me, for someone like me, what does a credit card mean to me?