Consumption blindly is wasteful. If you cannot restrain yourself from swiping your credit card and spending excessively, the consequences of over-consumption will most likely be unpaid.

As the saying goes, if you often walk by the river, your shoes will not get wet. The repayment method of "tearing down the east wall to pay for the west wall" will not only magnify the risk infinitely, but may also make you lose more than you gain! You can just cancel your credit card.