How can you know if you are a credit card junkie? Read the following question and see how many “yes” you answer:

1. You have more than 2 or 3 credit cards

2. You pay the minimum or less on your credit cards

3. You’ve reached the credit limit (or very close) on your credit cards

4. You juggle other bills in order to pay the minimum monthly payments on credit cards

5. You charge items you used to pay for the cash

6. you incur late fees or over-the-limit- fees on credit cards

7. you’ve taken out one or more debt consolidation loans to pay off credit card balances. But then charge to the credit cards again

8. You take out cash advances on your credit car to pay other bills or expenses

9. you use your bank overdraft protection to cover checks you’ve written that you don’t have the money to cover yet

You may be a credit junkie if you answer yes to any of the question.

Treatment Plan for Credit Junkie

What you have to do if you are a credit junkie :

1. Cancel the credit card offers

2. Avoid shopping malls

3. Cancel the catalogs

4. Reduce Visits to online store

5. Be Aware of Advertising

Source : About.com

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