It’s honestly not too bad an idea, provided they are old enough.

I have no expectation of inheriting anything. Between medical bills and consumer debt, and the fact that my family is poor as shit anyway, there will be nothing to inherit. They might as well run that credit card debt up, because it dies with them.

I might feel differently if I had any reason whatever to feel bad about cheating credit card companies out of their money, but banks and financiers as a whole address not on my list of favorite people.