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  1. No, using credit is not bad. 
  2. However, using credit 
  3. irresponsibly, is a bad habit. 
  4. Irresponsible credit use 
  5. includes: applying for and using 
  6. credit when you know you cannot 
  7. afford additional bills and 
  8. exceeding established credit 
  9. limits. Bad credit habits will 
  10. destroy your credit reputation 
  11. and it will be difficult to 
  12. rebuild. 
  13.