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If you neglect to make your payments on time your credit score will drop. Once your credit score has deteriorated, you could be denied loans, apartment leases, and many other financially important aspects of life. By spending beyond your means and neglecting to pay back the money you owe, you will be effecting the rest of your life. However, when you responsibly use credit cards and earn a favorable credit history, you will be doing yourself a lifelong favor. While using credit cards can positively effect your financial future, you will also have to avoid the danger of accumulating debt.