There are some other legitimate reasons to put tons in credit too. I built an ADU on my property. Asked the bank for a loan to build it, a second mortgage. They said no, there's not enough equity. (I'd just bought the house a year prior). I explained that the value of the property will go up by more than the amount of the loan I'm asking. Of course they told me they can't give loans based on hypothetical future appraisals. So they advised me to put it all on credit. I had a line of 30k with them after all and that's the exact amount I'd asked for.

So we did. Maxed out the card to build the ADU, got the property reappraised, then got the second mortgage, then used that to pay off the credit card debt, now renting out the ADU for $200 more per month than the loan payment. It all worked out and made perfect sense, but I carried 30k of cc debt for like 4 months while this all went down.