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  • hey! nice shoes how much were they?
  • thanks! they were $200 but I didn't pay a penny thanks to credit!
  • what do you mean you didn't pay a penny, you need to pay off them shoes or your credit score might be at risk if you don't pay them off
  • I will pay it off I just needed these new trending topic shoes, what? if i don't pay it off they're going to arrest me?
  • no your credit score will decrease, you might pay more for the shoes than retail price and now you might have to pay higher interest rates.
  • well ill see what happens in the next few days
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