Suddenly you cannot pay anymore on time. The resources had depleted, or exhausted. After years of finding ways to pay on time, you find yourself already in a dilemma. You do not have any options left.
After patiently working and finding ways to solve the predicament, you will finally put an end to all that were due. But after that are you still going to apply for a credit card? After all, the freeze period will be out for some time and you will have that opportunity again. Will you do it?
It all boils down to one thing. Discipline. Discipline sounds appealing to the ear. But it is not that easy to practice. It takes a lot of patience to maintain. Truly ‘high-maintenance’.