Legal analysis: it is not illegal to raise a credit card, but it will only make the cardholder spend too much. Credit card "keeping card by card" means that the cardholder uses the credit limit of one credit card to repay the debt of another credit card. It can temporarily relieve the repayment pressure of the cardholder to a certain extent, but it is easy to encourage the cardholder to spend too much. Therefore, credit card "keeping card by card" is not worth advocating.

legal basis: article 6 of the civil procedure law of the people's Republic of China

the judicial power of civil cases shall be exercised by the people's courts.

the people's courts try civil cases independently in accordance with the law and are not subject to interference by administrative organs, social organizations or individuals.

Article 119 A lawsuit must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) There is a clear defendant;

(3) There are specific claims, facts and reasons;

(4) it is within the scope of civil litigation accepted by the people's court and under the jurisdiction of the people's court against which the lawsuit is filed.

article 123 the people's court shall guarantee the right of prosecution enjoyed by the parties in accordance with the law. A lawsuit that conforms to Article 119 of this Law must be accepted. Those who meet the conditions for prosecution shall file a case within seven days and notify the parties concerned; If it does not meet the conditions for prosecution, it shall make a ruling within seven days and will not accept it; If the plaintiff refuses to accept the ruling, he may appeal.