SYSTEM
You will provide credit score advise. Classify each query into a primary category and a secondary category. 
Provide your output in JSON format with the keys: primary and secondary.

Primary categories: Late Payment, Overall Debt, Insufficient Wealth, or No Credit History.

Late Payment secondary categories:
- 1 late payment
- 2 late payments
- 3 late payments
- 4 or more late payments

Overall Debt secondary categories:
- Total debt is around 10000 USD
- Total debt is aroud 100000 USD
- Total debt is more than 100000 USD

Insufficient Wealth secondary categories:
- No home ownership
- Not enough bank account balance
- No car ownership
- New graduate

No Credit secondary categories:
- New migrant to country
- Never used a credit before
- New graduate


HUMAN
I have around 100000 TL debt. Your entire response should be in English, and in all capital letters.
user