Since all my bills are paid on time from the person who manages my money I have a really good credit rating. I get offered credit cards all the time. What would happen if I lacked capacity and took loads of credit accounts out and then told them I lack capacity with my money so they shouldn’t of given me them. Would I have to pay them back?
Yes, you have to pay them back.
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I would assume you would have to pay them back 
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