no yes Your creditors keep calling you for payment. no yes You frequently use your credit card for cash advances at the ATM. no yes You have more than 3 major credit cards. no yes You carry a high balance on your department store cards. no yes You have a credit card for every department store. no yes You only send in the minimum monthly payment on your credit cards. no yes You can't even afford the minimum monthly payment on your credit cards. no yes You had to drop digital TV or your cell phone because your minimum credit card payments are too high. no yes You use your credit card to buy groceries. no yes You've never seen your credit report or don't know what one is. no yes When dining with friends, you often collect the cash, and pay with your credit card.
If you want more resources, visit these sites: Help with Debt Management The Results of Bad Credit How to Protect Your Credit
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