Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.

【释义】金属之所以被折断，是因为其太过刚硬了，流水之所以能保全，是因为其柔和；高山之所以被挖掘，是因为其高大，而山谷之所以能安全无事，是因为其低下。【延伸】刚强耿直的人，容易受挫折、遭打击；柔和无争的人，则能够保全自己。刚强的克星，是温柔。