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你当然可以不申请信用卡，又没人逼你。至于以后你买房子买车银行很有可能不贷款给你， 或者贷给你，收你20APR， 谁让你这个人没信用呢。
rosemary01
(rosemary)
(#291532@0)
Last Updated: 2001-12-9
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请教信用卡的事情。请问信用卡到底怎么用法？信用卡的安全性谁来保证？如果我透资了而且不还款，会有人来惩罚我吗？
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