<prompt> Human: My close friend does not have any reliable means of transportation and he is close to repaying off all the money he owes on three of his credit cards. He told me once he finishes, he plans on maxing out all the cards so that can get around 2000 in cash to buy a used car. Hes confident he can keep up minimum payments for the cards but this all kind of sounds sketchy and not good for his credit. Any advice?edit: thanks guys! gonna go ahead and show this to himupdate: He has a credit card with no interest fees for two years, as well as he doesnt care about his credit dive he thinks hell bounce back eventually. What do you think?  <response>: Why would he do that? The APR on the advance would be about four times more than what it would be for him to get a loan. 