7 questions to ask yourself:
1) Are you worried about debt?
2) Have you argued with your spouse about debt?
3) Have you lied to a friend about how much debt you have run up?
4) Have you bought groceries with a credit card because you had to (not for the mileage or points)?
5) Do you have a card that is maxed out?
6) Have you made a late payment or gone over your credit limit in the past three months?
7) Have you used money from one credit card to pay another credit card?
For more of Michael Finney's consumer stories and advice, visit 7 On Your Side.
