Actually, it could mess up your credit rating for longer than 2 years. And, if you are planning on buying a house, car, or other big purchase, it might not just cause your interest rate to go up - but you might be denied the loan. In NYC I know that this can even affect your chances for being able to rent a flat in certain buildings.
Try it at your own risk and with full knowledge of the possible effects.
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I wish I were 1,000 miles away