I racked up around $20,000 in credit card debt. I got stupid things like Halloween & Christmas decorations, clothes. Overall I have nothing to show for all the money I spent. I was paying the minimum payments on the cards but then I lost my job and couldn't pay anymore. I ended up having to file bankruptcy. This was 6 years ago. I now stay away from any credit cards. And I luckily have been ok and haven't recently spent like in the past. I have a great partner who looks out for me.

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