A:	I use them so that I build up a credit rating, you know.
ʌ WORD_BOUNDARY aɪ WORD_BOUNDARY j uː z WORD_BOUNDARY ð ɛ m WORD_BOUNDARY s oʊ WORD_BOUNDARY ð æ t WORD_BOUNDARY aɪ WORD_BOUNDARY b ɪ l d WORD_BOUNDARY ʌ p WORD_BOUNDARY ʌ WORD_BOUNDARY k ɹ ɛ d ɪ t WORD_BOUNDARY ɹ eɪ t ɪ ŋ WORD_BOUNDARY j uː WORD_BOUNDARY n oʊ WORD_BOUNDARY