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  • Sure!
  • I just borrowed $3000 from the bank to buy a penguin!
  • A penguin! Can I come over sometime to see it?
  • I'm so happy that my bank lent me the money to pay for you, plus the interest rate was so low, only 7%.
  • ...
  • Ok, Ready? Fetch! Or not...
  • ...
  • Whats this? (Opening the letter) Dear Valued Customer, I am sorry to inform you that you missed this months payment and must come in to pay off what you owe as well as additional fees.  The Bank
  • I don't have enough to pay that as well as this months rent...
  • I'm sorry, I didn't realize I didn't pay this months fee. How much do I owe you?
  • Well, let me see, hmm, you owe us $200 in interest plus an additional $100 in late fees.
  • Your right, I'll make sure to stay on top of my finances for now on.
  • That sucks! But you know your credit score can go back up if you pay off all your bills on time.
  • My penguin is gone, I didn't have enough to keep him and my credit score went down to 450. 
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