You've probably heard that it's important to keep your credit score as high as possible. If you don't, you may not get approved for the next credit card you want, or you may get approved with a lower credit limit and a higher interest rate than you'd like.

The truth, however, is that having bad credit won't just cramp your spending style – it might also prevent you from doing some of the things functional adults take for granted.

Read more at USA Today.