01. I'm over my credit limit.
02. Don't lavish on fashion too much
03. You should keep a rational spending habit.
04. I usually use my credit card when I don't have enough cash.
05. I'm in debt.
06. My current salary can not make ends meet.
07. I have a tight pocket.
08. You'd better change your attitude towards money.
09. I have to pay off my credit card bill at the end of each month.
10. What is the annual interest rate?
11. I have got an interest-free loan for 6 months.
12. My credit limit has been raised.
13. I am overdrawn by 1 500 Yuan.
14. Owning a heavily overdrawn account is not a good sign.
15. You should change your over-spending behavior.
16. He has built up debt from over-spending.
17. My credit card debt is twice my income.
18. I'm getting into a serious financial trouble.
19. He focuses on spending today rather than making a budget for tomorrow.
20. They are embracing a "buy now, pay later" lifestyle.