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If you over spend on your credit card to buy clothes then your credit report will be effected negatively. this will hurt you later in life.
Hey! I'm Bob. I'm here to talk to you about credit reports! I know most of you girls love shopping but i want to let you know the dangers of using credit cards too much.
If you ever want to live in a nice home like this you may need to take out a loan. in order to do that the bank has to approve the loan. if you have really bad credit history from over spending and not making payments you might not get the loan!
If you can't get a loan to buy a house you may be sleeping on this park bench instead! Haha i'm only kidding, however your credit score is very important when it comes to financial decisions in your life. you may not even be able to get a car if your credit history is bad. Even when applying for jobs your future employer may look into your credit history to see what type of spender you are. So be safe and make good decisions when it comes to money!
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