It is similar to the use of bank cards, but it belongs to the first consumption and then repayment. If you spend more than usual, it doesn't matter whether you have it or not. If you spend more than you spend, but you often travel (a lot of money is spent temporarily), it is very cost-effective to apply for a credit card. If you spend less than you spend, it is not recommended to apply for a credit card, which indirectly stimulates consumption.