Reply to a comment  Reply to this comment  kkgirl2009 writes:
in response to TXanimal:  It's so easy to assume that one is
irresponsible if they have credit card debt, but that's not
always the case.  It can have something to do with coming out-
of-pocket for health care expenses because of inadequate health-
care plans and ridiculous medical costs. It can have something
to do with hard times because of unforeseen circumstances. It
can have something to do with lost jobs and a not-so-great
economy.  Do people splurge and live outside their means? YES.
But many of the people I know with credit card debt are in that
position because of the reasons I mentioned above. They were
fairly responsible individuals who were living in apartments and
driving used cars. I know I got myself into debt a few years
ago. Was I living outside my means? No! I hadn't bought anything
but food and necessities for nearly a year and my rent was
cheap, but as the economy got worse and my work dried up, how do
you think I paid for food &