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      <title>4th - Credit Cards by Matthew Keane</title>
      <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul</link>
      <description>Please list your name and answer AT LEAST TWO of these questions about Credit Cards</description>
      <language>en-us</language>
      <pubDate>2021-04-07 05:30:35 UTC</pubDate>
      <lastBuildDate>2021-04-07 18:07:27 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
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      <item>
         <title>Treasure</title>
         <author>tmcneal16</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392123422</link>
         <description><![CDATA[<div>It could cost you to pay more in interest</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 15:57:06 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392123422</guid>
      </item>
      <item>
         <title>Mio</title>
         <author>vmmontelongo</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392125896</link>
         <description><![CDATA[<div>Can increase the interest rate and lead you into more debt.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 15:57:36 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392125896</guid>
      </item>
      <item>
         <title>Monjaeh</title>
         <author>mkkimbrough1</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392131170</link>
         <description><![CDATA[<div>Use no more than $50 if needed.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 15:58:38 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392131170</guid>
      </item>
      <item>
         <title>Can make you owe more money than you have.</title>
         <author>slboler</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392131446</link>
         <description><![CDATA[<div>shayonna</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 15:58:42 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392131446</guid>
      </item>
      <item>
         <title>Mio</title>
         <author>vmmontelongo</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392131800</link>
         <description><![CDATA[<div>Writing down what you spend so you can visualize how much you are spending and keeping yourself in check.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 15:58:46 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392131800</guid>
      </item>
      <item>
         <title>Chantel</title>
         <author>cmjohnson22</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392131844</link>
         <description><![CDATA[<div>A good way to limit your purchasing amount with a credit card is only taking the credit card with you when you are going to buy something you need or when you are going to pay for an expected expense. This will help so that you won't have it on you all the time and have the option to use it all the time.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 15:58:46 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392131844</guid>
      </item>
      <item>
         <title>Treasure</title>
         <author>tmcneal16</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392133739</link>
         <description><![CDATA[<div>Paying more than the minium so it can help with saving money</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 15:59:09 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392133739</guid>
      </item>
      <item>
         <title>Aileen</title>
         <author>ajbarker11</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392134280</link>
         <description><![CDATA[<div>you'll end up owing more money than you loaned.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 15:59:15 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392134280</guid>
      </item>
      <item>
         <title>Aileen</title>
         <author>ajbarker11</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392137843</link>
         <description><![CDATA[<div>Not buying something else with that credit card until you pay off what you loaned.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 15:59:59 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392137843</guid>
      </item>
      <item>
         <title>Janise</title>
         <author>jramirez1871</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392137906</link>
         <description><![CDATA[<div>You end up paying more interest</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:00:00 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392137906</guid>
      </item>
      <item>
         <title>shayonna</title>
         <author>slboler</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392137962</link>
         <description><![CDATA[<div>you need to pay on time and not use as much money off the credit card.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:00:01 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392137962</guid>
      </item>
      <item>
         <title>Treasure</title>
         <author>tmcneal16</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392139353</link>
         <description><![CDATA[<div>only use it when it's an emergency</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:00:18 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392139353</guid>
      </item>
      <item>
         <title>Chantel</title>
         <author>cmjohnson22</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392139437</link>
         <description><![CDATA[<div>The most important thing to be cautious about when using a credit card is that you will get charged for paying back money late and that can build up into more debt that you will be in.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:00:19 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392139437</guid>
      </item>
      <item>
         <title>Janise</title>
         <author>jramirez1871</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392141080</link>
         <description><![CDATA[<div>You should try to only use your credit card for emergencies. </div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:00:37 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392141080</guid>
      </item>
      <item>
         <title>shayonna</title>
         <author>slboler</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392143578</link>
         <description><![CDATA[<div>have the card for one set thing like house supply's </div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:01:04 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392143578</guid>
      </item>
      <item>
         <title>Treasure</title>
         <author>tmcneal16</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392146534</link>
         <description><![CDATA[<div>Late payments</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:01:41 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392146534</guid>
      </item>
      <item>
         <title>shalamarr</title>
         <author>sdsprings</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392151837</link>
         <description><![CDATA[<div>you will end up paying extra cause of the interest rate</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:02:46 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392151837</guid>
      </item>
      <item>
         <title>Monjaeh </title>
         <author>mkkimbrough1</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392152062</link>
         <description><![CDATA[<div>The most thing to be cautious about is late payments and overspending.These things happen a lot with credit cards.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:02:49 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392152062</guid>
      </item>
      <item>
         <title>Xitlalie</title>
         <author>xtafolla</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392154243</link>
         <description><![CDATA[<div>You´ll end up in debt and paying more due to your interest rate rising</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:03:13 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392154243</guid>
      </item>
      <item>
         <title>Shalamarr</title>
         <author>sdsprings</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392157188</link>
         <description><![CDATA[<div>Using it for important things for food,things for your house</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:03:45 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392157188</guid>
      </item>
      <item>
         <title>Xitlalie</title>
         <author>xtafolla</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392161534</link>
         <description><![CDATA[<div>never spend more than what you have in that account and keep tabs of your spending and balance</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:04:39 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392161534</guid>
      </item>
      <item>
         <title>Xitlalie</title>
         <author>xtafolla</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392165733</link>
         <description><![CDATA[<div>Make a budget for that certain credit card</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:05:29 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392165733</guid>
      </item>
      <item>
         <title>Xitlalie</title>
         <author>xtafolla</author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392168817</link>
         <description><![CDATA[<div>Spending more than what you can afford and not being able to pay on time</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:06:07 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392168817</guid>
      </item>
      <item>
         <title>Jayden </title>
         <author></author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392169856</link>
         <description><![CDATA[<div>when your credit score is too low you can end up in debt.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 16:06:19 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392169856</guid>
      </item>
      <item>
         <title>Jacqueline</title>
         <author></author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392728162</link>
         <description><![CDATA[<div>You end p paying more and it causes debt because of the constant&nbsp;interest rate growing from the more you wait.</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 18:01:16 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392728162</guid>
      </item>
      <item>
         <title>Jacqueline</title>
         <author></author>
         <link>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392743929</link>
         <description><![CDATA[<div>Use it for emergencies or for big purchases that can help raise you credit score. Whenever you will buy something with a credit card, always be prepared to pay it back, at least by 2x more than the normal amount you borrowed.&nbsp;</div>]]></description>
         <enclosure url="" />
         <pubDate>2021-04-07 18:04:45 UTC</pubDate>
         <guid>https://padlet.com/mkeane11/tg2jfjht3mfrhlul/wish/1392743929</guid>
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