Nowadays, credit card become popular because it more convenience and effective to settle the payment when want pay a huge amount bill (9 reason to love credit card). BUT user are not usually seen as a good risk for obtaining a loan, overspend on credit card will cause user to carry the debt because using credit card settle bill is faster, however when face to the monthly credit card statement user will grab their head to settle/pay the balance. Especially those are new applying first credit card such as students (More info that causes, consequences, and solution). It common happens on male than female.
The causes of credit card debt because users want to show off their card that treat their 
friends eat, or help girlfriend pay their bills such as clothes. In other hand, poor money management is the reason why many users accumulate lots of debt. “Swipe! Swipe! Swipe!” the card but at the end of month item you pay is useless, or over the credit card limit. So at the end, the credit card statement become greater as user is carrying the debt. Beside that apply too many credit card also will causes users bear the credit card interest, even users didn’t use the card.
Prevention of credit card debt First, effective pay-down plan is sticking with it. Don’t let up on the monthly payments as the card’s minimum payments inch down and as bills get paid off. Second, think before you act that take a hard look at your finances and determine how much you can realistically afford to pay each month. Third, pay more than the minimum. Once you start paying more than the minimum, the debts start to disappear. Use Bankrate.com’s credit card minimum payment calculator to see how increasing your payments will cut your time in debt.
friends eat, or help girlfriend pay their bills such as clothes. In other hand, poor money management is the reason why many users accumulate lots of debt. “Swipe! Swipe! Swipe!” the card but at the end of month item you pay is useless, or over the credit card limit. So at the end, the credit card statement become greater as user is carrying the debt. Beside that apply too many credit card also will causes users bear the credit card interest, even users didn’t use the card.Prevention of credit card debt First, effective pay-down plan is sticking with it. Don’t let up on the monthly payments as the card’s minimum payments inch down and as bills get paid off. Second, think before you act that take a hard look at your finances and determine how much you can realistically afford to pay each month. Third, pay more than the minimum. Once you start paying more than the minimum, the debts start to disappear. Use Bankrate.com’s credit card minimum payment calculator to see how increasing your payments will cut your time in debt. 
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