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Warning Sign #7: Juggling Three or Four Cards

Are you constantly using different cards based on which one has credit available at that moment?

If so, that's one of the surest signs you're in credit trouble.

You make a few payments on one card to free up some credit, then you run that card back up to its limit while you're making payments on other cards.

The problem is, you're making all these payments, but you're doing nothing to get yourself out of debt. Plus, you're hurting your credit and increasing the chance that you'll get hit with a nasty "over-limit fee."

Leave juggling to the circus clowns, and create a plan to get out of debt this year!

Next: Too much month?