No thanks I just had a free lunch just now, all I did was use my credit card and paid nothing.
Paid nothing! John you know that using a credit card to buy anything, will result in it being billed to you. You need to pay that bill soon or you'll end up paying more than you spent.
Seriously? So what happens if I choose not to pay the bill.
Not paying a credit card loan on time will result in a higher rate of interest on your balance so the longer your payment is overdue, the more money you will have to pay.
Wow I never knew that.
In addition did you know that not paying credit card debt on time will lower your credit score
No! I don't think my credit score is too relevant.
It is very relevant. Your credit score determines if you are a worthy creditor and can pay debt efficiently. A low credit score can prevent you from making important purchases including a house or car.
I'll be sure to pay my bill in full to keep my score hight
Wow I never knew that
Good Idea, and by the way be careful to not make credit card purchases on things you know you can't afford.