There are many situations

The most common one is that there is no correct consumption concept, there may be no planning, and one likes instant gratification, which leads to long-term expenditure being greater than income, and over time, one falls into debt. The quagmire cannot be extricated

There is another kind of debt that is caused by reasons other than one's own, such as the failure of a business, which leads to debt.

There may also be life changes, illness, etc. that lead to debt

< p>Excessive consumption, instant gratification is not recommended, and borrowed money must always be repaid

In short, if you use your credit card well, you can help others. For those who have failed to start a business, it is better to use the money from the bank than to go to relatives and friends. It's good to borrow money, and you don't owe any favors.