Debt Dumper Club

1. Keeping too many cards in your wallet (only carry the cards you really need & use)
2. Charging when you should be cashing (don’t use your card for daily expenses)
3. Not reading creditor mail (they may be alerting you of term or interest changes)
4. Using your credit account as an ATM (no cash advances, budget [...]

If you find that you can’t pay your bills on time, contact your creditors immediately. Try to work out a modified payment plan that reduces your payments to a more manageable level. Don’t wait until your accounts have been turned over to a debt collector. At that point, your creditors have given up on you. [...]