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As you already know, when you pay for something on your credit card, you eventually have to pay the bill off with real money. So your credit score is based on if you pay back that bill, and if you pay it back on time. And say you own a house you have to pay mortgage, if you don't pay your bills on time, then you credit score will be bad as well. But be careful because have a bad credit score can ruin a lot of things for you. Like buying a good car or house. Because having a bad credit score tells people that you are unreliable to sell something to that involves a monthly payment. So if you expect to buy a house or car with bad credit, you would have to bu it using a check or cash. This is why I suggest using a debit card for everyday using like grocery shopping, because it only allows you to use the money that you have in the bank therefore you cannot go over. Hope I helped, sorry for such a long response.

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13y ago

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