7 credit card habits that make your debt worse, ranked by damage level Bobbi Rebell for Accredited Debt Relief Sep 23, 2026 Sep 23, 2026 Updated 5 hrs ago 0 An illustration of a businesswoman sitting on top of a credit card while holding a long bill representing the concept of overspending. VZ_Art // Shutterstock Prefer us on Google Learn More Facebook Twitter Bluesky WhatsApp SMS Email Print Copy article link Save Bobbi Rebell for Accredited Debt Relief kAmrC65:E 42C5 563E 42? 36 6I92FDE:?8] xE 42? 766= =:<6 2 EC625>:==] *@F 2C6 >@G:?8] *@F 2C6 >2<:?8 A2J>6?ED 6G6CJ >@?E9] *@F 2C6 =:<6=J DH62E:?8 @G6C :E] *@F 2C6 24E:G6=J H@C<:?8 2E 86EE:?8 E@ J@FC 8@2=] p?5 J6E E96 D46?6CJ ?6G6C 492?86D 2?5 2D >F49 2D J@F E9:?< J@F D9@F=5 36 >2<:?8 AC@8C6DD[ J@F DE:== 7:?5 J@FCD6=7 :? E96 D2>6 A=246]k^AmkAm*@F 2C6 C:89E E@ 36 86EE:?8 E:C65 2?5 7CFDEC2E65] %96 ?F>36CD 2C6?’E 255:?8 FA E96 H2J E96J D9@F=5 36 8:G6? J@FC 677@CE] qFE J@F 92G6 D@>6 k2 9C67lQ9EEADi^^HHH]244C65:E65563EC6=:67]4@>^3=@8^3F:=5\36EE6C\7:?2?4:2=\923:ED\?@\H:==A@H6C\C6BF:C65^Qm4C65:E 42C5 923:EDk^2m E92E 2C6 E2<:?8 2 3:886C E@== @? J@F E92? J@F C62=:K6] |2?J @7 E96> >2J 36 E9:?8D J@F A6C46:G6 2D H2JD E@ ;FDE 86E 3J H:E9 H92E =:76 4@DED[ @C D@=FE:@?D E@ 86EE:?8 E@ E96 ?6IE A2J4964<] qFE E96 C62= 4@DE >2J 36 2 =@E >@C6 2>A=:7:65 E92? ?@C>2=[ :? A2CE 3642FD6 @7 E96 563E J@F 2C6 2=C625J 42CCJ:?8]k^Am People are also reading… Use of untested 'Wolverine' peptide backed by RFK Jr. on the rise, study finds Kirk Ferentz: Iowa’s ‘hearts and thoughts’ are with UNI, Parker Sutherland’s family Why didn’t officials put another second on clock for Cyclones at end of Iowa, Iowa State? US Postal Service chief said he wants to quit, sources say The retirement fear gap: Who really fears running out of money? Anthropic sets up biology lab as it ramps AI drug program How did Braeden Jackson end up as a walk-on at Iowa? What attendees at JD Vance rally thought about Trump administration, vice president There’s no surprise in ‘Practical Magic 2’ 3 out of 4 Americans say AI firms not doing enough to prevent disaster, poll finds What to watch for as Iowa hosts Northern Iowa in nonconference finale Hayden Panettiere cause of death released Duncan Sheik, known for 'Barely Breathing' and ‘Spring Awakening,’ dead at 56 Testosterone scripts for women rise with denials, delays What Jim Barnes learned about the Hawkeyes’ depth during nonconference play kAmrC65:E 42C5 :?E6C6DE EJA:42==J 4@>A@F?5D 52:=J[ ?@E >@?E9=J @?46 J@F 2C6 42CCJ:?8 2 32=2?46] $@ ;FDE =:<6 4@>A@F?5:?8 42? 36 >28:42= E@ E96 FAD:56 H96? J@F 2C6 D2G:?8 2?5 :?G6DE:?8[ :E 42? 36 E@I:4 2?5 D@F= 4CFD9:?8 H96? :E :D H@C<:?8 282:?DE J@F] %92E’D H9J E96D6 D66>:?8=J D>2== 923:ED 42? 56C2:= J@FC 36DE 677@CED E@ 4=:>3 @FE @7 563E[ k2 9C67lQ9EEADi^^HHH]244C65:E65563EC6=:67]4@>^Qmp44C65:E65 s63E #6=:67k^2m C6A@CED]k^Am k9bm%96 w23:ED w@=5:?8 *@F q24<[ #2?<65k^9bmkAmkDEC@?8m`] %2<:?8 2 42D9 25G2?46]k^DEC@?8m pD >F49 2D “42D9 :D <:?8[” 2 42D9 25G2?46 :D EC@F3=6] xE >2J D66> =6DD 92C>7F= E92? E2<:?8 @? >@C6 4C65:E 42C5 563E[ 3FE :E 42? 255 FA 2 =@E 72DE6C E92? A6@A=6 C62=:K6] u:CDE E96C6 :D @7E6? 2? FA7C@?E 766 E92E 42? 36 2D 9:89 2D dT] }6IE[ J@F H:== =:<6=J 36 A2J:?8 2 9:89 :?E6C6DE C2E6 ;FDE =:<6 2 4C65:E 42C5] qFE E96C6’D >@C6i &?=:<6 4C65:E 42C5D[ :7 J@F 5@?’E 92G6 563E @? E96> H96? J@F >2<6 E96 AFC492D6[ 42D9 25G2?46D DE2CE 492C8:?8 :?E6C6DE C:89E 2H2J] %96C6 :D ?@ 8C246 A6C:@5] x?E6C6DE DE2CED 255:?8 FA :>>65:2E6=J 2D D@@? 2D E96 42D9 :D :? J@FC 244@F?E] %92E :D 6IA6?D:G6]k^Am kAmkDEC@?8ma] !2J:?8 @?=J E96 >:?:>F> @? J@FC 4C65:E 42C5 6G6CJ >@?E9]k^DEC@?8m !2J:?8 @? E:>6[ 6G6? :7 :E :D ;FDE E96 >:?:>F>[ :D 6DD6?E:2= E@ <66A J@FC 4C65:E D4@C6 :?E24E] qFE E@@ >2?J ?6H 4C65:E 42C5 9@=56CD[ :?4=F5:?8 J@F?8 A6@A=6[ 2<2 6>6C8:?8 7:?2?4:2= 8C@H?FAD[ 4@?7:56?E=J D2J E92E :D H92E :D “5F6[” 2?5 A2J @?=J E96 >:?:>F> H:E9@FE <?@H:?8 E96 ECF6 4@DE] #62= 7:?2?4:2= 8C@H?FAD <?@H E92E E96 >:?:>F> H:== 32C6=J 4@G6C E96 :?E6C6DE @? E96 4C65:E 42C5] %96C6 :D ?@ >2E6C:2= AC@8C6DD @? E96 4C65:E 42C5 32=2?46] $@ E96 32=2?46 8C@HD[ 6G6? E9@F89 J@F 2C6 A2J:?8 @? E:>6]k^AmkAmkDEC@?8mb] !2J:?8 2 9:896C p!# 3642FD6 @7 2 A6?2=EJ @C J@FC 4C65:E D4@C6]k^DEC@?8m #676C 324< E@ Ra] !2J:?8 @? E:>6 :D 6G6CJE9:?8] x7 J@F A2J =2E6[ :E 9FCED J@FC 4C65:E] x7 J@FC 4C65:E 8@6D 5@H?[ J@FC :?E6C6DE C2E6 @7E6? 8@6D FA] %9:D :D H96C6 :E 42? A2J @77 E@ 36 AC@\24E:G6] q6 AC6A2C65 2?5 A@=:E6 2?5 86E :? E@F49 H:E9 J@FC 4C65:E 42C5 :DDF6C] %96 9:896C C2E6 42? 36 25;FDE65 5@H?H2C5[ 3FE J@F >2J 92G6 E@ 2D< 2?5 :E >2J E2<6 E:>6]k^Am kAmkDEC@?8mc] }@E 9:EE:?8 A2FD6 @? ?6H 492C86D]k^DEC@?8m r@?E:?F:?8 E@ 492C86 ?6H AFC492D6D H9:=6 42CCJ:?8 2 32=2?46 :D 8@:?8 E@ 4@DE J@F 3:8 E:>6] x7 J@F 2C6?’E 42CCJ:?8 2 32=2?46[ H96? J@F 492C86 D@>6E9:?8[ J@F 5@?’E DE2CE A2J:?8 :?E6C6DE F?E:= 27E6C E96 3:== :D 5F6 2?5 ?@E A2:5 :? 7F==] w@H6G6C[ :7 E96C6 :D 2? @?8@:?8 32=2?46[ E96 :?E6C6DE <:4<D :? E96 >:?FE6 E92E 492C86 9:ED] %96 :?E6C6DE DE2CED 244CF:?8 :>>65:2E6=J :?DE625 @7 E96 FDF2= a`\52J :?E6C6DE 7C66 52JD J@F 86E H96? J@F 2C6?’E 42CCJ:?8 2 32=2?46]k^Am Listen now and subscribe: Apple Podcasts | Google Podcasts | Spotify | Stitcher | RSS Feed | SoundStack | All Of Our Podcasts kAmkDEC@?8md] &D:?8 @?6 4C65:E 42C5 E@ A2J 2?@E96C[ 2?5 @? C6A62Ek^DEC@?8m] &?=6DD J@F 2C6 5@:?8 2 4=62? 32=2?46 EC2?D76C H:E9 2 _T AC@>@E:@?2= H:?5@H 2?5 2 C62= DECF4EFC65 A2J@77 A=2?[ :E 42? 4@DE J@F >@C6 E92? J@F >2J C62=:K6] %96C6 2C6 2=>@DE 2=H2JD 766D 2EE24965[ 2?5 :E :D?’E 5@:?8 2?JE9:?8 E@ C65F46 E96 32=2?46] xE >2J 766= 2D E9@F89 J@F 4=62C65 E96 564<[ 3FE C62==J J@F 92G6 ;FDE D9:7E65 E96 3FC56?[ 2?5 A2:5 E@ 5@ D@]k^Am kAmkDEC@?8me] {6EE:?8 C6H2C5D 2?5 D:8? FA 3@?FD6D :?7=F6?46 564:D:@?D]k^DEC@?8m r2D9 324< 766=D =:<6 7C66 >@?6J[ 2?5 A@:?ED 42? >2<6 J@F 766= =:<6 J@F 2C6 249:6G:?8 D@>6E9:?8] x? D@>6 D6?D6 J@F 2C6i *@F >2J 36 86EE:?8 36EE6C D62ED @? 2? 2:CA=2?6 @C =@F?86 2446DD H96? J@F EC2G6=] qFE D25=J[ E96D6 C6H2C5D 2C6 72C 7C@> 7C66] !2J:?8 :?E6C6DE 2E EJA:42= 4C65:E 42C5 C2E6D :D 72C >@C6 6IA6?D:G6 E92? 2?J A6C< J@F 2C6 86EE:?8] %9:?< 23@FE E96 >2E9i 42CCJ:?8 2 32=2?46 2E acT D@ J@F 42? 86E 2 86?6C@FD bT 42D9 324< H:== ?6G6C 255 FA]k^AmkAmkDEC@?8mf] !2J:?8 2EE6?E:@? E@ E96 HC@?8 ?F>36CD]k^DEC@?8m %96 E@E2= 32=2?46 >2J 766= @G6CH96=>:?8] }2EFC2==J[ :E >2<6D D6?D6 E@ 8C2G:E2E6 E@H2C5 E96 >@C6 >2?28623=6 ?F>36Ci E96 >:?:>F> 32=2?46] (96? J@F 7@4FD @? E96 >:?:>F> 2>@F?E 5F6[ J@F E6?5 E@ =@D6 D:89E @7 E96 >@C6 4C:E:42= ?F>36CDi E96 E@E2= 2>@F?E 5F6[ E96 k2 9C67lQ9EEADi^^HHH]42A:E2=@?6]4@>^=62C?\8C@H^>@?6J\>2?286>6?E^42=4F=2E6\4C65:E\42C5\:?E6C6DE^Qmp!# 2?5 :?E6C6DE C2E6k^2m[ 2D H6== 2D 9@H >F49 @7 E96 A2J>6?E J@F 2C6 >2<:?8 :D 24EF2==J 8@:?8 E@H2C5D E96 AC:?4:A2= 2?5 7C66:?8 J@F 7C@> E96 563E]k^Am k9bm%96 (@CDE rC65:E r2C5 w23:E @7 p==i $E2J:?8 $:=6?E p3@FE *@FC s63Ek^9bmkAmx7 J@F C64@8?:K6 2?J @7 E96D6 923:ED :? J@FCD6=7[ @C :? D@>6@?6 J@F 42C6 23@FE[ J@F 2C6 ?@E 2=@?6] xE 42? 766= =@?6=J[ 3FE :? 724E E96D6 923:ED 2C6 >@C6 4@>>@? E92? H6 C62=:K6] z66A:?8 :E BF:6E 2?5 F?56C E96 C252C :D A6C92AD E96 H@CDE 923:E @7 2==] tG6? :7 J@F 5@ E96 >2E9 2?5 F?56CDE2?5 H92E :D 8@:?8 @? :? E6C>D @7 E96 ?F>36CD[ 4C65:E 42C5 563E :D @7E6? E:65 E@ 3692G:@FC 2?5 923:ED E92E 92G6 366? A2CE @7 @FC =:76 7@C 2 =@?8 E:>6[ :?4=F5:?8 <66A:?8 :E D64C6E] xE :D 2 G6CJ ?@C>2= :?DE:?4E 2D H6 ECJ E@ 86E E9C@F89 @FC 52:=J =:G6D E@ D:>A=J C6249 7@C @FC 4C65:E 42C5 E@ A2J 7@C E9:?8D :?DE625 @7 A=2??:?8 29625 2?5 4C62E:?8 ?6H DJDE6>D]k^Am kAmw:EE:?8 A2FD6 2?5 86EE:?8 DFAA@CE 42? 96=A 4FE E9C@F89 E96 492@D @7 52:=J =:76]k^Am k9bmup"’D 23@FE rC65:E r2C5 s63E w23:EDk^9bmkAmkDEC@?8m(9J 5:5 >J :?E6C6DE 8@ FA 6G6? E9@F89 x A2:5 @? E:>6nk^DEC@?8m p =2E6 A2J>6?E[ 6G6? 7C@> D6G6C2= >@?E9D 324<[ @C 2? F?C6=2E65 5C@A :? J@FC 4C65:E D4@C6[ 42? EC:886C 2 9:896C p!# 2D 2 A6?2=EJ] %92E 42? DE:4< 2C@F?5 6G6? :7 J@FC A2J>6?E 9:DE@CJ :D 324< @? EC24<] xE :D H@CE9 42==:?8 J@FC 42C5 :DDF6C E@ 2D< 23@FE 86EE:?8 :E 25;FDE65 324< 5@H?] *@F 92G6 ?@E9:?8 E@ =@D6]k^Am kAmkDEC@?8ms@6D 2 42D9 25G2?46 9FCE >@C6 E92? 3FJ:?8 D@>6E9:?8nk^DEC@?8m *6D] r2D9 25G2?46D @7E6? 4@>6 H:E9 FA7C@?E 766D @7 FA E@ dT] %96J 2=D@ E6?5 E@ 92G6 9:896C :?E6C6DE C2E6D E92? 2 C68F=2C AFC492D6] %96 C62= <:==6C 96C6 :D E92E E96C6 :D ?@ 8C246 A6C:@5 D@ :?E6C6DE DE2CED 255:?8 FA E96 >:?FE6 E96 42D9 9:ED J@FC 244@F?E]k^Am kAmkDEC@?8m(92E’D E96 23D@=FE6 H@CDE 4C65:E 42C5 923:E H96? J@F’C6 ECJ:?8 E@ A2J @77 563Enk^DEC@?8m xE’D ?@E H92E J@F 5@ @C H92E J@F D2J[ :E :D H92E J@F 5@?’E 5@ 2?5 H92E J@F 5@?’E D2J] xE’D DE2J:?8 BF:6E 23@FE :E] tG6CJ 923:E @? E9:D =:DE 86ED H@CD6 E96 =@?86C :E 8@6D F?255C6DD65[ 2?5 D:=6?46 :D H92E =6ED 2 7:I23=6 AC@3=6> BF:6E=J EFC? :?E@ 2? F?>2?28623=6 @?6]k^Am kAmk2 9C67lQ9EEADi^^HHH]244C65:E65563EC6=:67]4@>^3=@8^f\4C65:E\42C5\923:ED\E92E\2C6\>2<:?8\J@FC\563E\H@CD6\C2?<65\3J\52>286^Qmk6>m%9:D DE@CJk^6>mk^2m k6>mH2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^HHH]244C65:E65563EC6=:67]4@>^Qmk6>mp44C65:E65 s63E #6=:67k^6>mk^2m k6>m2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2m]k^Am 0 Comments Originally published on accrediteddebtrelief.com, part of the BLOX Digital Content Exchange. Related to this story Most Popular The retirement fear gap: Who really fears running out of money? John Stevenson reports a survey revealing that lower-income Americans are more fearful of running out of retirement savings, contradicting the… Debt can impact kids’ futures more than you’d think: Here’s how Accredited Debt Relief reports that school-related debt affects children's futures more than parents realize, with 19% unable to afford activi… What the Fed's recent rate hike means for your money The increase marks the first big move on interest rates under new Fed Chairman Kevin Warsh. Here's a look at what it means for consumers in fo… Turning 55 and leaving your job? What to know about the IRS rule of 55 The Retirement Group reports on the IRS Rule of 55, allowing penalty-free 401(k) withdrawals for those leaving their job after turning 55, wit… How millions of Americans working two jobs can avoid burning out CreditNinja reports on tips for managing multiple jobs without burnout, emphasizing efficiency, prioritizing downtime, and maintaining relatio… Recommended for you Watch Now: Related Video Judge orders man shot by ICE to court as police release new body cam video Chinese beauty products prove resilient amid US-China trade war Chinese beauty products prove resilient amid US-China trade war What the FAA's new AI system means for Washington DC-area flyers What the FAA's new AI system means for Washington DC-area flyers How Long Does Beef Jerky ACTUALLY Stay Good? How Long Does Beef Jerky ACTUALLY Stay Good?
The retirement fear gap: Who really fears running out of money? John Stevenson reports a survey revealing that lower-income Americans are more fearful of running out of retirement savings, contradicting the…
Debt can impact kids’ futures more than you’d think: Here’s how Accredited Debt Relief reports that school-related debt affects children's futures more than parents realize, with 19% unable to afford activi…
What the Fed's recent rate hike means for your money The increase marks the first big move on interest rates under new Fed Chairman Kevin Warsh. Here's a look at what it means for consumers in fo…
Turning 55 and leaving your job? What to know about the IRS rule of 55 The Retirement Group reports on the IRS Rule of 55, allowing penalty-free 401(k) withdrawals for those leaving their job after turning 55, wit…
How millions of Americans working two jobs can avoid burning out CreditNinja reports on tips for managing multiple jobs without burnout, emphasizing efficiency, prioritizing downtime, and maintaining relatio…