Everyone knows: Credit cleanliness is next to godliness.
Three guys got into a car crash and all died. They all get up to heaven and meet St. Peter at the gates. St. Peter said “Okay everyone can come in, but whatever you do don’t step on a duck.” The gates open and there are ducks everywhere, all over the floor, on tabletops, everywhere. The first guy walks in and accidentally steps on a duck. St. Peter comes along and handcuffs him to the ugliest woman in all the world and says, “Now you must stay handcuffed for all eternity.” The other two see this and do their best not avoid the ducks. The second guy goes months and months without stepping on any duck. Then one morning he wakes up and as he is getting out of bed he steps on two ducks. St. Peter comes over and handcuffs him to the most atrocious looking and smelling woman and says, “Now you must stay handcuffed to each other for all eternity.” Now the third guy goes years and years and doesn’t step on any ducks in all that time. Then one day St. Peter comes along and handcuffs him to the most beautiful woman he as ever seen. St. Peter says, “Now you must stay handcuffed to each other for all eternity.” The guy happily says, “Oh my God, what have I done to deserve this?!” And the woman says, “I don’t know what you did, but I stepped on a duck.”