First of all, you need to clarify your reasons and plans for borrowing money from your grandparents. If you've overdrawn your credit card and can't pay it off on time, borrowing money only temporarily solves the problem, but doesn't address the root cause. Therefore, you need to evaluate your expenses and income, find ways to cut expenses or increase income, and develop a detailed repayment plan to ensure that you can pay back the money you borrow on time.

Secondly, you need to consider whether borrowing money will have any negative impact on you and your family. If borrowing money will put a financial strain on your grandparents or affect their quality of life, then you need to seriously consider whether this decision is wise. In addition, you also need to consider whether borrowing money will bring a greater burden to you, such as interest or family conflicts caused by debt problems.

Finally, you need to carefully consider whether your borrowing plan is feasible and make sure you have the ability to pay back the money you borrow on time. If you don't have the confidence to do this, borrowing money can cause more trouble. If you decide to borrow money from your grandparents, make sure you establish a clear loan agreement, including details on the loan amount, interest rate, repayment period and repayment method, so that the transaction between you can be fair and transparent , clear.

In short, borrowing money is a very important matter that requires serious consideration and careful handling. You need to clarify your plans and capabilities, weigh the pros and cons, and make your own decision.