You make only minimum payments on your credit cards each month.

You are at or near the limit of your credit cards.

You applied for more credit cards in the past year.

You have begun charging small items or essentials like food and gasoline.

You have recently paid a monthly bill using a credit card cash advance.

You are often late paying some or all of your bills.

You are unsure how much you owe creditors.

You are receiving calls or overdue notices from creditors.

You have no budget.