The most trifling Actions that affect a Man's Credit, are to be regarded. The Sound of your Hammer at Five in the Morning or Nine at Night, heard by a Creditor, makes him easy Six Months longer. But if he sees you at a Billiard Table, or hears your Voice in a Tavern, when you should be at Work, he sends for his Money the next Day. Finer Cloathes than he or his Wife wears, or greater Expence in any particular than he affords himself, shocks his Pride, and he duns you to humble you. Creditors are a kind of People, that have the sharpest Eyes and Ears, as well as the best Memories of any in the World.
Full text available online at: http://founders.archives.gov/documents/Franklin/01-03-02-0130. Source: The Papers of Benjamin Franklin, vol. 3, January 1, 1745, through June 30, 1750, ed. Leonard W. Labaree. New Haven: Yale University Press, 1961, pp. 304–308.