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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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