It is important to maintain a good credit score.
Robert sees that his girlfriend's birthday is coming up, but he is nearly broke and can't afford the expensive necklace she wants.
Robert wants to buy his girlfriend a necklace for her birthday.
Robert takes extra shifts at work in order to earn the extra money he needs to buy the necklace for his girlfriend.
Robert maxes out his credit card to buy the expensive necklace his girlfriend wants.
Robert is happy to provide his girlfriend a nice gift and maintains a good credit score.
Robert can't pay back his credit card debt on time and his credit score drops precipitously.