Today's consumers benefit drastically from the usefulness of credit. Credit cards are especially useful for large purchases, emergency situations, making reservations, identification, and protection from fraud. Unfortunately, millions of consumers abuse credit cards beyond their financial earnings. The use of credit results in costly interest payments and late fees, impulse buying, overextended lifestyles, and the unnecessary stress from harassing telephone calls from collectors.

If you answer yes to more than one of the following listed below you might want to consider getting help with finances.

Over the Limit Credit Card Spending

If all of your credit card balances are greater than 80 percent of your credit limits, you should consider this a bright red danger signal to debt.

Too Many Cards/Too Much Debt

If you stop using your credit cards and still can