I applied for two credit cards, and my cousin wants to borrow one. Should I lend it to her? Is it dangerous? I asked her to apply for it by herself, but she still won’t do it. She insists on using mine. She has to pay it back.

Better not do this! First of all, if she fails to repay your credit card overdraft or does not repay it in time, the bank will collect the debt from you, which will also affect your creditworthiness; secondly, when applying for the card, it is clearly required that the card can only be used by yourself. It cannot be used for others, and you will be liable for breach of contract in this regard!