{"version":"1.2.0","chapters":[{"startTime":0,"endTime":80.483},{"startTime":80.483,"endTime":80.923},{"startTime":80.923,"endTime":138.588,"title":"Introduction to Credit Card Myths"},{"startTime":138.588,"endTime":163.308,"title":"Understanding Credit Card Debt"},{"startTime":163.308,"endTime":324.67,"title":"Shane's Dilemma with Credit Card Debt"},{"startTime":324.67,"endTime":411.206,"title":"Myth 1: Carrying a Balance Builds Credit"},{"startTime":411.206,"endTime":515.908,"title":"Myth 2: Closing Unused Credit Cards Helps You Build Credit"},{"startTime":515.908,"endTime":572.656,"title":"Myth 3: You Must Use Your Credit Card Frequently"},{"startTime":572.656,"endTime":637.958,"title":"Myth 4: More Cards Mean Better Credit"},{"startTime":637.958,"endTime":693.586,"title":"Myth 5: Credit Card Debt is Good Debt"},{"startTime":693.586,"endTime":791.206,"title":"Myth 6: You Need a Perfect Payment History to Have Good Credit"},{"startTime":791.206,"endTime":925.854,"title":"Myth 7: Minimum Payments are Enough"},{"startTime":925.854,"endTime":1178.46,"title":"Keys to Success with Credit Cards"},{"startTime":1178.46,"endTime":1297.518,"title":"Action Steps for Managing Credit Card Debt"},{"startTime":1297.518,"endTime":1303.718,"title":"Conclusion and Encouragement"},{"startTime":1303.718,"endTime":1345.984,"title":"Outro and Next Episode Teaser"}]}