strongly recommend overdraft to amount between 20k~100k so that you earned some $$$, and not worrying anything legal/illegal card companies won't bother seeking you.
no need to zhuang B, u know, bro. u r a millionaire i'm a poor kid going home without any $$$ in my pocket u and i are different, so we do different things it is not simply right or wrong, cheap or rich. we just do what we need to LZ's need is different from yours for sure.