"It is generally defined as a contractual agreement in which a borrower receives something of value now and agrees to repay the lender at a later date—generally with interest. [...]
The most common form of buying on credit is with credit cards. People tend to make purchases with credit cards because they may not have enough cash on hand to make the purchase. Accepting credit cards can help increase sales at retailers or between businesses."
Reference: Kenton, Will. “Credit: What Everyone Should Know.” Investopedia, Investopedia, 27 Sept. 2019,
I'm noticing that you don't get lots of sleep and that's why your grades are low. Also, you have to be doing your homework right away and/or study for a test and not being on your phone too much or on any device.
