This presentation reveals 10 signs that you could be addicted to credit cards. One of these signs is that you are addicted is if you keep your debts secret from your partner. Watch this presentation to learn if your addicted to those little pieces of plastic.

1. Helpful Financial Information from National Debt Relief …
10 Signs You Might Be
A Credit Card Addict
Quick, how many credit cards do you have in your
wallet?
You say you can’t remember exactly how many.
That’s a sure sign that you might be addicted to
credit cards. The fact is that America, as a whole has
become credit card addicted. According to the most
recent statistics, average credit card debt in America
is $15,252 per household. (Continued)
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2. Helpful Financial Information from National Debt Relief …
Given the fact that this is an average, it's not hard to guess that many people are carrying
credit card debts of $10,000 and more. And this doesn't count personal loans, auto
loans, student loans or mortgages. In fact, when you add it all up, American consumers
owe $11.52 trillion in debts.
If you're wondering if you might be a credit card addict, here are 10 things to look for.
1. Denial isn't just a river in Egypt
Denial is one of the biggest signs that you are addicted to credit cards. If you have no
idea as to what your outstanding balances add up to and are just sending in your
minimum payments every month, the odds are that you're in denial.
2. You can't imagine life without that magic plastic
When you think about your credit cards being lost or stolen, do you find yourself
panicking because this would mean your only real source of discretionary income
is now gone?
3. You're constantly applying for new cards
Do you fill out and mail in an application every time you see a juicy credit card offer?
Maybe you just can't resist the perks that come with that card or it’s because your
finances are going down, down, down and you think that a credit card will save you.
4. You use any possible way to pay your bills
Are you taking out high-interest cash advances from a credit card in order to pay a bill?
In other words, are you robbing Peter to pay Paul? If you're using any possible method to
pay your bills you definitely need help with your credit card addiction.
5. You never worry about increases in APR's or fees
When you read that fine print about an increase in your APR or some of your fees, do you
just blithely ignore it. You're just not concerned about any of these increases even if it
means that you’re paying totally exorbitant interest rates or late payment fees.
6. You keep your debt a secret
What do you do when the subject of credit cards comes up? Do you try to change the
conversation? Or worse yet, maybe you're keeping your credit card debts secret from
your significant other. For example, when your credit card bills roll in do you try to hide

3. Helpful Financial Information from National Debt Relief …
them? And do you do the same thing with any correspondence you receive from your
credit card providers? You may have read how true alcoholics hide their booze to cover
their addiction. Well, if you're hiding your credit card statements and correspondence
you’re trying to hide your addiction.
7. Are you a "good deal" shopper?
If you run into a good deal do you have to buy the item even though it means putting it
on that magic piece of plastic? Or worse yet, do you have a bunch of items just sitting
around your house you never use but bought because they were such "good deals?"
8. You have limited cash reserves
You can’t seem to save any money because you feel that saving is just something out of
the past and that it's useless. Why would you save when all you need is that little piece of
plastic to cover any emergency?
9. Your credit card balances are multiplying at a rate that can only be
termed astonishing
You’re in the minimum payment trap but it doesn't matter because you are still not
thinking twice before swiping a card. Plus, your balances are so high that if you thought
about them you could spend your nights lying in bed thinking about nothing else.
10. You're totally tapped out
Have you totally maxed out all of your credit cards? Unless this has been the result of
some kind of emergency you definitely have a problem. This is a clear indication that
your spending is out of control because it definitely exceeds your earnings.
What you need to do
If you answered, "yes" to many of these questions, you might be a credit card addict. If
you don't break the addiction you're headed for serious financial trouble, which could
end up with you having to file for bankruptcy. So, what can you do? First, toss all those
credit cards. This might be the most painful thing you do this year but you need to shred
all those cards. This is because there's just no way to get out of debt while you're still
carrying those addictive pieces of plastic.

4. Helpful Financial Information from National Debt Relief …
Get your debt under control
Once you've rid yourself of those addictive credit cards, you need to go to work to get
your debt under control. To do this, you will need to sit down and develop a debt
management program. If the task seems overwhelming you might go to one of those
nonprofit consumer credit counseling agencies for help. These agencies have experienced
counselors who will go over your spending and income and help you devise a plan for
becoming debt-free. In some cases they will even work with your creditors to get your
interest rates reduced so that you can become debt free somewhat faster. Do understand
that if you haven't already gotten rid of those credit cards, the consumer credit
counseling agency will insist that you do so. If you follow the advice you're given by your
debt counselor you should be debt-free in about five years or less.
If you haven't already created a household budget it’s important that you do so. There
are numerous budgeting tools and apps available many of which are free. The one that
we like the best is Mint.com. This is a free financial management tool that will track your
spending to help you develop a budget and then even send you email alerts if you
overspend in any of your categories. Mint is very easy to use, too. All that's required is
that you type in the numbers of your savings and checking accounts, credit card
accounts, investments, auto loans and so forth. Mint will then display all of your
financial information together in one easy-to-read graphic.
Create an emergency fund
Since you will no longer have that magic plastic to fall back on in the event of an
emergency, you'll need to create an emergency fund. Most financial experts say that your
fund should be the equivalent of at least three months' of living expenses but six months
is better. Naturally, you won't be able to create this fund overnight. Your goal should be
to save at least 10% of your income each month. Do this and you should be able to build
an emergency fund in less than nine months. If you find you have trouble saving money,
open a savings account and then arrange to have money automatically taken out of your
checking account and deposited into it each payday. You might also want to open a
second savings account to cover a one-time expense such as that automobile
maintenance bill you know is coming up in a few months. All you'll have to do is set aside
a small portion of your paycheck every month and when that expense surfaces, you will
be prepared to pay for it without wrecking your budget.

5. Helpful Financial Information from National Debt Relief …
Does this sound familiar?
• You are tired of worrying about money…
• You are losing sleep due to mounting credit card
debt…
• You are fighting with your partner about the
bills…
• You are living paycheck to paycheck…
• You are falling behind on your debts…
• You are losing hope…
It’s time to talk with National Debt Relief!
Call Toll Free 1-888-703-4948 Now!
Or Go To http://NationalDebtRelief.com