I have already received calls from various banks with the offer to issue a credit card. To my question: "Why is it for me?" they answer: "Well, you will not have money, you will be delayed, and you will not have to be humiliated by borrowing from friends or relatives. Just use our card, and with the salary you will return, there is up to 55 days of interest-free period. This is very convenient". I don’t understand how uneducated you need to be to behave on such information and build your life so that you can borrow from a bank and then give it. After all, it is much more profitable to have a debit card at hand with your personal funds and in case of their withdrawal, put back as it becomes possible. Here you do not have to pay any interest, on the contrary, many banks charge you interest for the money on the account, it is your money, not the bank. Remember, once you borrow money, you do not take it from the bank, but from yourself in the future.