An ice scraper
A temporary loan that must be repaid monthly
A way to have the coolest stuff
Free money

To buy a house.
To buy a car.
To get a new job.
To rent an apartment.
All of the above

Open a checking account.
Buy a new car.
Sell everything you own.
Go back to sleep.

Credit can save on utilities and services costs by better offers
and no deposits required.
Too much credit can hurt your credit rating.
Bad credit can land you in "debtor’s" prison.
Bad credit can mean higher interest rates.

Make your payments on time.
Pay double if you miss a payment.
Don’t go over your credit limits.
Don’t cosign on loans.

Someone representing a charitable organization calls
to solicit a donation.
You receive an e-mail that asks you to click to protect
personal information.
Bills for purchases are not sent in a timely pattern.
Your credit application is denied.
All of the above