Not a pleasant topic, but a serious subject if your a credit seeker. Protecting your credit rating is a personal thing. There will come a day when you will regret poor credit behaviour. Late payments, return cheques, over limit spending, too many credit cards or over extended credit to asset ratio, it all adds up. The (Credit Bureaus) are keeping track, usually through a scoring system that determines your ability OR likehood to repay debt. Don’t get trapped, think about the future, that house or car you want will probably depend on your Credit Rating.