
(A) it was already affecting my credit score, (B) letting any ‘small’ amount of debt by can let it spiral out of control, my dad had huge debts that started the same way. The amount I was in debt with was more than I had in my bank acc. (C) even if it’s normal, that doesn’t mean it’s good?(D) It was the result of a bit too much ‘retail therapy’ during a p rough year. Def not the reminder I want going into 2026.