Based on what 5

When he used his credit cards, as long as the bill did not exceed a million, Terry Garcia generally did not pay attention to who spent how much, so when his credit wasn't sufficient, he would use the money from his bank card. In this way, he had nothing except for external debts.

Nicholas Garcia could only make an excuse, "Although our school is strict, it is full of children from wealthy families. Any organized event could cost hundreds of thousands, and even a single dinner invitation could require a significant spend."

"You have credit cards, how could you have spent all the money in your bank account as well?" Mia Garcia questioned.

Nicholas had to find a reason, "As you all know, I love skiing. Last winter, I invited a few good classmates to go skiing in Switzerland. Fearing that mom and dad would not agree, I didn't tell them, so the entertaining expenses came from the bank card."