One of my colleague applied two credit cards and he bought lots of things when he went to Thailand, and he even get the cash from ATM machine using credit cards. Without any doubt that the interest rate is high and he cannot afford to clear all the debt in short period of time. I think he should look for debts advice to get help or advice about repaying or recovering a debt. Hmm.. This is style of young people who do not think about the consequence of owing people money.