Have you ever felt that you are heading to financial distress? Your credit card bills are becoming too big; you can't afford to pay them. You don't enjoy the usage of your credit card offers anymore, visa versa, you are worried about them.

If you don't know what is wrong, read the article and find out what are the signs of credit crashing. If you notice these signals in your daily life watch out, take actions. Beware of these anxious signals!

• You spent much more with your credit card last month, even though you didn't make any big purchases.

A lot of people simply can't control themselves. After getting a good credit card deal, he or she is beginning to forget about paying back. My friend Susie got in this situation. She managed to get a credit card. At first she was in total control of her spendings, but after 3 months she almost went nuts! Realizing that with her new credit card she can buy almost everything she can't really afford, she went shopping crazy! Fortunately, her husband has found out about her shopping obsession and helped her to avoid financial crisis.

• You spend more money that you earn.

Remember spending more money that you earn is the fastest way to the bad credit history or even to the bankruptcy! Every time you purchase something with your credit card, keep in mind that after you get your pay check, you will have to pay a credit card bill.

• You make only minimum payments.

My nephew John got in big trouble with paying only minimum amount each month. He thought it was o.k., because he wasn't missing the payments. Now he has a big credit card debt and he is trying to get out of it using secured credit cards now.

• You use cash advance from one credit card, to pay off the debt on another.

Remember the cash advance is very expensive and it is not a way out of financial difficulties. This way will only bring more trouble!

• You use more than 5 credit cards each month.

My other friend Julie had all kinds of credit cards gasoline credit cards, cash back credit cards, frequent flyer credit cards and what not. She got into big trouble as she simply couldn't keep track on them! Now Julie is a happy owner of only one card.

• You spend over your credit limit.

I did this mistake myself. I went out to the resort with my family. We really enjoyed our time together, went out every evening, went to the parks and clubs. I knew that I was spending a lot, but didn't realize that I was over my credit limit.

Not only did I get over limit fee, but also my interest rate was increased. Now I always think how much money I spend.

• You lie to your spouse about your credit card usage.

Some men and women simply hide the bills from credit card companies from their spouses. Then the problem gets only worse! Remember that a person who really loves you will always help! Try to face the problem together and overcome it together!

If you have noticed one of these alarming signals in your life, you should change your attitude towards the usage your credit cards!

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