Take the following as truth: but uh he knows when he's overspends and when he doesn't and he knows that anytime he pops out that credit card  you know i've used the credit card a couple times to pay bills
Then the following statement: " When he goes over budget, he uses his credit cards to pay bills when he does. It is not a good thing to go over budget, those cards cost more to use." is true, false, or inconclusive?