From the consumer's point of view, this kind of rolling credit "service" cannot but cause one to worry whether or not it will become a "bottomless pit of desire," and indirectly encourage people to consume beyond their ability to pay, thus piling debt upon debt.
銀行界的這種循環信用「服務」，在消費者的立場來看，難免擔心這樣的服務會不會成為「慾望陷阱」，間接鼓勵大眾做超出支付能力的消費，因而債上加債，「循環拖欠」，成為難以超生的債務奴隸？