how young are you?

May be it is the responsibility of the cc users to pay off every month.

CC can be two blades of a sword, if you use it properly, it brings you convenience, security and for emergency.

If you do not use it properly, then it become a big debt, overspending and high interest.

Like what we can see in the threads, it is not related to personal income for those who are in debt. It is about their spending and paying habits.

Whether you have high or low salary, without proper financial management, you will fall into the trap.