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  • I don't know if I can spend any more money, I think I've almost reached my credit limit on my credit card.
  • 
  • What's wrong with that?
  • My credit score will go down, which will decrease my chance of getting a loan for my house.
  • I always pay my bills late, how else does a bad credit affect you?
  • You can be denied for employment, have a higher interest rate on your credit card, and difficulty buying a car if you need a loan to pay it off.
  • I am going to pay my bills in full on time from now on!
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