Mobile payments have become an indispensable way of modern life, and many people have begun to use the loan to pay for their daily consumption. However, many are puzzled by the optimal use of borrowed funds and do not know how many of them are needed to meet their funding needs. This paper will analyse the issue from several angles and help the reader to better understand the frequency of use of borrowing。

First, the frequency of use borrowed is related to the individual ' s economic situation and consumption habits. For those with more stable income and more controlled consumption, the reserve may be used less frequently. They may only need to borrow in sudden-onset situations, such as in the case of emergency expenditure or liquidity problems. However, for those with more volatile incomes and higher consumption, borrowing can be used more frequently. They may need to rely on borrowing on a regular basis to meet the funding requirements for day-to-day expenses or weekend recreational activities。

Second, the frequency of use borrowed is also related to the amount used each time. If the amount borrowed is smaller each time, for example, hundreds or less, the reserve may be used more times. As this is the case, the amount available for borrowing is relatively high and will not exceed the amount approved for borrowing, even if used repeatedly. However, if the amount borrowed each time is larger, such as thousands of dollars or more, the use of the reserve may be reduced accordingly. In such cases, the borrowed available amount may not be sufficient to cover multiple large consumption and will take longer to pay off borrowed arrears, thus delaying the next use。

In addition, the frequency of use borrowed is related to the repayment capacity after each use. If each loan is repaid on time, the use of the reserve may be relatively high. The next use needs will be met more quickly by releasing more loans from current repayments. However, the use of the reserve may be limited if repayments cannot be made on time after each loan. The failure to pay on time will lead to the freezing or reduction of borrowings, which will take longer to recover, thus delaying the next use。

Based on the above, it may be possible to borrow a few times as a matter of concern to the individual ' s financial situation, consumption habits and a number of factors, such as the amount of each use, repayment capacity, etc. There is no fixed answer, which needs to be determined on an individual basis. Everyone should use the reserve reasonably according to their financial needs and repayment capacity, and avoid over-dependence。