If your a weeb i´m your friend now ;) ;)

If you pay the minimum toward your balance each month, here’s what you can expect to happen: paying down your debt will take much longer.you’ll rack up bigger interest charges.your credit score could take a hit.

She either must have not been on the phone and working or something else. it seems that here boss catches her a lot of the time on the phone and not doing work but hasn't been fired yet.