i think if u use credit card.... "wisely" then it is a good thing....
however.. many pple use it too often.. and not really thinking when they use it....
I dun really see why that many UNIVERSITY students can be allowed to apply for a credit card.. (well... to those that doesn't not have any regular income.....
but i sometime dun really think it is good to help family member to pay for his debts.....
this is the same problem with gambler..... if you continue to clean the "bum bum" they will not learn the lesson....
you should advice them to talk with these financial adviser and discuss about the options........ i am sure the "loan shark" would defently perfer to see money over a dead body la..