Just to show that not paying a little credit card bill can affect borrowing in the future by killing your credit score, look what almost happened to Sheila Blair, a former FDIC chairperson who almost got nailed for wanting a 15% discount using store credit. She writes about it in CNN Money:

http://money.cnn.com/2013/11/13/pf/sheila-bair-store-cards.moneymag/index.html

So keep track of all your credit cards and make sure you make at least the minimum payments, or you could get it in the credit score, even if you are not a former FDIC chairperson!

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