Why Is It So Hard to Pay Off Your Credit Card? (Part 2)
Part 2: Crisis Spending — When “No” Isn’t an Option In Part 1, we talked about the “Yes Trap”—how seeing a generous available balance on your credit card can flip your inner script from “Can I afford this?” to “Why not?” It usually starts with a few small splurges: You’ve had a long week, so you treat yourself to dinner out—twice. You finally grab those concert tickets before they sell out. That coat you’ve been…