• Using a charge card because you are short on cash.

• Charging items you might not buy if you were paying cash.

• Charging inexpensive items.

• Charging liquor or food items.

• Shopping only at stores where you can "charge-it."

• Reluctance to open the "bills" from creditors.

• Charging more each month than you pay off.

• Letting payments "slide" to the next paycheck.

• Paying for last year's Christmas when the next one comes around.

• Arguments with spouse about monthly bills.

• Writing checks today on funds to be deposited tomorrow or the next day.

• Skipping payments on one account to pay another.

• Charging items on impulse without considering effect on monthly budget.

• Not having a budget.

• Assuming your income entitles you to a particular standard of living.

• Applying for new credit cards to increase borrowing.

• Telling yourself you have a "right to it" because of your income or because you "work so hard."

• Receiving late and over limit credit card charges.

• Renting furniture or appliances because you can't afford to buy them.

• No savings account.

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The above Consumer Credit Information is provided by the Federal Trade Commission, Washington D.C.