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  • Yo Bob what are some advantages on credit .
  • One advantage is it is convenient you don't need to carry cash on you.
  • What else?
  • You can buy things you need even if you don't have enough money to buy them.
  • Credit sounds awesome! 
  • Well Jerry you gotta be careful while it can help you in emergency situations like unemployment, illness, and property loss there are also some disadvantages.
  • You are really selling me on this whole credit thing!
  • Be careful though, because you will owe the money you use later and the price will go up that you owe if you don't pay.
  • How would i owe more?
  • Well the one you owe money too usually sets an interest rate up or there are fees this way they can make some money.
  • Thanks there Bob I'm going to be careful of those interest rates.
  • Well have fun with this credit thing and also make sure you make your payments on time because it could affect you if you want buy a car or get more credit.
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