他们或许已经从未来借出款项，使用借款享受了本来无法维持的生活水平。

They may have borrowed from the future, using debt to enjoy a standard of living that is unsustainable.

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多加小心和巧妙地使用借款，你可以避免难以预料的信用卡条款变更所带来的意外打击。

By paying attention and practicing smart credit use, you can avoid being blindsided by unexpected changes to credit card terms.

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第二百零三条借款人未按照约定的借款用途使用借款的，贷款人可以停止发放借款、提前收回借款或者解除合同。

Article 203 If the borrower fails to use the loan in accordance with the contracted purpose of the use, the lender may stop providing the loan, recall the loan ahead of time or dissolve the contract.

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