It’s freshman year of college. I’m on another shopping spree — not because I have an endless amount of cash to burn, but because I have credit cards. Name the store, and I likely have their card. I’ll use my Visa card here, Mastercard there, JCPenney card here, Target card there. Pretty soon, I’m in $10,000 worth of debt. But that soon turns into much more when interest accrues and one month of skipped payments leads to many months of skipped payments.