No, I don't always pay my bills on time.

Sorry--no points.

Paying your bills on time is basic, but critical. Sometimes organization is the problem--you have the money but forget to pay the bills. In that case, keep bills current by reviewing what's due weekly until you get on track. Or, ask us about ways to automate paying recurring bills.
      But if you postpone paying bills because you don't have the money, you're not a candidate for more credit.

Question 2: Does your paycheck run out before payday?

            Yes                  No

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