[lemma=credit] [word=card] [□] □
[lemma=credit] [word=card] [□=□] □
[lemma=credit] [word=card] [□ | □] □
It 's almost tax time , so start gathering up your credit card bills , year-end statements from bank and brokerage accounts and mortgage statements . If you have credit card bills , never make just the minimum required payment . If you have credit card bills , student loans , car payments , or other bills back home that must be paid on a regular basis , you will obviously save less than the 70,000 yen figure just mentioned . These debts include credit card bills , medical bills , and so on . They will look at your total debt-to-income ratio : How much of your monthly income goes toward paying the mortgage , credit card bills , car payment and other obligations , including the payments on the equity debt for which you are applying .