How can missing a credit card or other loan payment affect you in the long-term?

By the time your account is 180 days late,  you've missed six payments, the card issuer will typically charge-off the account, writing it off as a loss.

answer: fact: italy has over 300 islands ranging from extremely small uninhabited islands to the huge island of sicily.

explanation:

opinion: italy has way to many islands

answer; you are making a normative argument and i am making a positive argument;