when you know you can make a profit from it
well actually if you don't really need money and still have saving there's no point to borrow money even we can manage to make profit out of it
the interests will actually took our profit and the result we got such a small amount of profit with risking to have a loan and can't pay it back,not worth it
Totally yes having an unusefull debts is very bad since we can get an headache if we can't repay in the due time period and provabilities that our debt well be more bigger since i think the lender will surely add up some penalty if we cant pay as discuss when barrowing and that could turn to messy things if it will bloat and became bigger, thats why better think for it many times before barrowing money from other people.