Credits, credits credits… I don’t know any person in this world who doesn’t have any credits or have not borrowed any money in their entire life. It’s part of life and there will really come a time that your finances will really be tight and you will feel like you are going insane where to get them paid. When it becomes worst, it already come to a point that where a commercial collection agency will send a collector knocking at your door and there you are hiding from it. Although it is really hard but we all just have to know how to manage our finances bef. we drown in debts. I personally know someone who got messed up with her credit card bills. It is sad but she had managed to deal with it. So next time, be smart.
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