 you find yourself increasingly using that credit card, not because you want to, but because you feel like you have to. You have to. And then the whole time you're using it, you're just piling on to never-ending cycle of credit card interest that accrues at the end of every single month, and you know it, but you have to. Man, I feel for you if you were trapped in this, especially if you've been fiscally responsible your whole life, as most people have been.