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But if unfortunately, circumstances work against you and you find yourself deep in credit card debt – then my advise is really not to worry.

Be honest and tell your family and friends regarding your situation so they can offer a support system.

Aside from that, some companies do check the credit history of their job applicants so a bad credit history may affect you if you’re looking for employment.

Honestly, there’s no definite list of ways how a bad credit standing can affect you negatively but trust me, it can and it will. Your bad credit history will actually not remain in your record forever.

The collection agency will now take over the responsibility of convincing you to pay your credit card debt. The costs (legal and otherwise) that will incur if the bank continues to pursue the delinquent account can be expensive.