Absolutely Andy! I am in serious debt, which is my fault and my burden to sort out, no I'm biting my lip at saying but. I started off with a much lower limit than I have, or rather did up until last month, I certainly didn't ask for a £46k limit, it just kept increasing and increasing month after month year after year, yes I know I didn't have to use it but (oops sorry it just came out) when your desperate, backs against the wall, things will get better, heads in the sand, kids need new shoes, Christmas, birthdays, food, bills, car repairs................... the flexiable enemy is there to help. Don't get me wrong I'm doing everything I can to pay back as much as I can, but when you get a letter off MBNA saying we are aware of your finacial difficulties one day and then the next a letter inviting you to take out another (seriously) you have got to ask what is going on. Since I stopped paying my minimum payments, and I am very, very worried about this as I am desperate to sort everything out, I have had three invites for credit cards. When you are so far in debt and lose all sense of reality, or rather bury your head further in the sand, in a frantic attempt to keep a normal life going you will use anything at your finger tips to keep going, and keep your heads above water for another month. As I say I am not blaming the card companies, I have built my debt, but (sorry there it is again) if the limit increases weren't there that big huge bump back to earth would happen much sooner and the debt wouldn't be as large. As I have found out over the last couple of weeks you can live without them, and for everything else (no there isn't Mastercard) there's do without until you can pay for it!
