Perhaps you have had a credit card in your wallet since you were a senior in high school. Maybe you took one with you to college just for emergencies and were amazed at the ease with which you could make purchases — paying for pizza, treating friends to beer or getting new clothes for your first internship.
Now that you are responsible for larger expenses and perhaps a family, you understand how reckless you were to charge your whims without a thought about how to pay for them. Your credit cards have come in handy over the years for unexpected expenses, such as car repairs or medical costs. They have also helped your family enjoy much-needed vacation time. However, you are seeing signs that your credit card debt is out of hand.