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How can you afford all of these new things? We have the same job.
Simple. I charge it all on my credit card and only make the minimum payments
Why do that? You could end up paying 10 times more money than you actually spent!
If you keep spending, you might be charged so much interest that you can't even pay off the minimum balance
Your APR must be high! and you must pay a lot in late fees.
Sometimes I do miss it, but that's fine because I just pay it the next month
Yeah but it doesn't matter. I'll just declare bankruptcy if it becomes too much.
But that might stay on your credit report for 7 years!
I hope you aren't planning on buying a car/house, getting a new card, or getting a job that has anything to do with finances.
I guess this will ruin my chances to get a job as a banker...
I'll check my credit score on any of the 3 credit bureaus websites and see if there are any discrepancies that I can fix to improve my credit score.
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