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Vanessa, I just went to the store and bought this new suit for FREE.
What, do you mean for free? Nothing is free.
I used my credit card. It didn't cost me a penny.
No Desmond, if you don't pay that bill off in full it will end up costing more than the suit.
I herd about my "credit score" messing up, but i didnt know what that meant.
A credit score is calculated payment history, outstanding debt, credit history, and types of credit use
Oh, I mean credit scores are hard to raise.
Yes, Your credit score is hard to raise. Also your credit score effects things like your ability to get a loan, purchase something or even get a job
Oh, I understand
No problem, Desmond.
Bye,Thank you Vanessa, you made me realize how credit is really important in life
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