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Bad Credit

i don't have any credit cards at the moment and i don't have any intentions of applying for one. i think i have been put off by those people i know who are so dependent on them. they're using their cards like they don't need to pay them back! tsk tsk..

just take this cousin of my friend. she has 3 credit cards and she has maxed out all of them. she needed to apply for a
personal loan, because she can't pay for all her credits! unfortunately, since she's got bad credit, her application was declined. now she's in deep trouble. she's been sent demand letters already and god knows where she'll get the money to pay for everything.

i think she better confess to her parents about her problems. otherwise, she'll end up in jail!




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