It is normal to find a familiar person to raise, and there is no risk of ten years. Now many people do. It's just that you have to pay back the money you owe, so it's better to make more money quickly. It is very convenient to use credit card for emergency or consumption. Your risk is that you are afraid of not keeping the cards well. In addition, banks are generally nervous about credit card review this year, and you are afraid that banks will suddenly reduce your limit. You should have a reserve to pay back the money.