Should young people get a credit card after all?

Young people should not apply for credit cards. Because young people's consumption concept is too advanced, they want to spend money today and tomorrow before they get a credit card. With credit cards, they have the conditions to spend money today and tomorrow. This will make them form a bad consumption concept and bear a heavy debt burden.

Credit card spending in advance. If you can't control your consumption desire, it is easy to overdraw your credit, which has a great influence on your desire to buy a house and a car in the future. It is convenient to apply for a credit card now. To apply for a credit card, you only need to have a fixed job and provide proof of salary and income. The income of young people is unstable now. After handling the credit card, they have a spending limit that exceeds their own consumption level. Many people can't help but overspend, and as a result, they pay back their credit cards every month, disrupting their normal lives.

In fact, there is no problem with the credit card itself, and sometimes it can really solve the urgent need, but this is for emergency use, not daily excess consumption. With credit cards, many people will overspend without good consumption habits. So it is best not to apply for a credit card, because it requires strong self-control and many people can't do it.

Use tomorrow's money today and pay today's debts tomorrow. If this vicious circle continues, many people will bear great psychological pressure, thus disrupting their normal pace of life. Therefore, I think young people should not apply for credit cards, be down-to-earth and not spend in advance.