An old but not too close friend of mine still in this shit. Even her husband also same problem. Combined salary is 15K (3 years ago) but still owes money. all credit card debts. Every month struggling to pay the minimum payment.
Know them for 2 decades already and the pattern is the same. Go out, spend money, all charge to cards. Come month end, pay minimum payment. Then apply for another card with higher credit. And same, go out, go holiday, go cheong, all credit cards. And then, apply for more cards and credit advance. Use Credit Advance to pay cards.
Over the years, as salary goes up, the spending also go up but credit card debts never reduce.
But I have to admire them. KNN, really no worries one.