Credit Report Factz

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  • How can you afford all of these new things? We have the same job.
  • Simple. I charge it all on my credit card and only make the minimum payments
  • Why do that? You could end up paying 10 times more money than you actually spent!
  • If you keep spending, you might be charged so much interest that you can't even pay off the minimum balance
  • Your APR must be high! and you must pay a lot in late fees.
  • Sometimes I do miss it, but that's fine because I just pay it the next month
  • Yeah but it doesn't matter. I'll just declare bankruptcy if it becomes too much.
  • But that might stay on your credit report for 7 years!
  • I hope you aren't planning on buying a car/house, getting a new card, or getting a job that has anything to do with finances.
  • I guess this will ruin my chances to get a job as a banker...
  • I'll check my credit score on any of the 3 credit bureaus websites and see if there are any discrepancies that I can fix to improve my credit score.
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