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  • Slide: 1
  • Hey Olivia! I'm so excited to hang out! I've got some great news!
  • Hey Charlotte! I'm excited to hang too, schools been rough lately, we all deserve a break.
  • Right? I've barely hard any time for anything else with all our assignments. I was able to get this awesome new credit card though.
  • Slide: 2
  • Well I don't know if that's such a good idea... I remember from class that the best idea is to open the least lines of credit as possible, isn't this like your 5th credit card?
  • Well.. actually it's my sixth credit card, but to be fair, all the other ones are maxed out for this month!
  • Oh Charlotte! You're supposed to spend less than 50% of the max limit on each credit account! Not paying your credit debt back on time decreases your credit score, please tell me you've been paying your debts back on time....
  • Um... yeah no, this has been affecting my credit score? Dang, my credit must be like at 7 right now.
  • Slide: 3
  • Well, credit scores range from 300-850, while after all these unpaid debts most likely negatively affected your score, it can't go below 300.
  • Also, your credit score affects the prices on large purchases like that new car you want, or how much you have to pay for a house. Better score+Better rates.
  • Well this is news to me... I've got to make some calls, see you later Olivia! 
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