What you want to ask is, if I owe 200,000 on a credit card and want to borrow 300,000 points in five years, is it okay? Can't. Failure to repay your credit card for a long time will cause it to be overdue and your personal credit report will be affected. Therefore, it is impossible to borrow 300,000 yuan. Therefore, this kind of behavior is not allowed. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.