- You only pay the minimum amount due on your credit cards each month.
- You make late payments or sometimes can’t make a payment.
- You add more to your credit card balances than you pay each month.
- You rarely if ever see your credit card balances go down.
- You don’t know how much you owe, total, between your credit cards and other loans.
- You apply for new cards but are at or near your credit limit on existing cards.
- You pay for necessities such as groceries, gas or insurance with credit cards or cash.
advances instead of cash. - You tap your savings to pay your credit card bills and other debt – or you have no savings.
- You feel anxious or stressed when using your credit cards.
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