just to let you know there exist credit cards that are "designed" for minimum payers with super low interest rate. same goes for certain bank loans

having a huge credit facility is a very advantageous perk for many. alot of them have the money and financial intelligence to know that not utilising credit facilities are foolish.

just like your case above, lets use a simple example i heard before which is very common. lets say one dude who earns RM10k/mth owes a bank RM100k in CC expenses/loans/debts whatnot. but dude didnt want to stop his current high maintenance lifestyle at all to clear the debt to zero

so what the fella did was apply for those high credit limit credit cards or loans with low interest rates with long tenure (lets say 2%) then balance transfer whatever his purchases over to them. now all he need is to just pay RM2k in interest every month and the min payment of 5% of RM100k (RM5k), total RM7k/mth. he will still have 3k left to "spend/save"

this is how usually the rich play around with credit facilities and afforded really expensive things.

which is a thank god moment, cause god knows how much hell spend on it lol