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3. They pay credit balances and maintain good credit.
3. 他們付卡帳并且有良好信用。
Being financially happy starts with being financially responsible. These individuals understand the dangers of credit cards and the importance of good credit. They may only use a credit card when absolutely necessary and pay off the balance each month. Their habit of timely payments and only buying what they can afford contributes to low debt and a higher credit score.
財務狀況良好始于對其負責。這些人了解信用卡的風險和信用良好的重要性。他們可能只在非常必要的時候用信用卡，并且每個月付清欠費。及時付款和只買付得起的東西的習慣讓他們有低債務和高信用。
