Dr Zorbo is discussing:

Debt charities concerned about the rising popularity of interest-free shopping online.

There was no online anything when I was a teen. Student loans were not a good idea, so I didn't have one. Later in life my credit score was 'messed' up because of an x-wife or, more precisely, my lack of planning for a divorce. Fatherly advice got me through it: "Shit happens - hitch up your knickers and knuckle down."

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