Do you feel like you just can’t help spending too much money? If you’re buying everything with a credit card and not with cash, that could be the real reason why.

In some studies, people who use credit cards were willing to drop twice the amount of money as those who had to pay in cash. If you only have $100 left in your budget and $100 in your wallet, that’s all you’ll spend. On a card, you may be tempted to put down $200 and “figure it out later.”

Convenience is part of the issue. A credit card means you can get what you want, when you want it. On top of that, paying in cash makes you feel the “pain” of giving that money away. A credit card doesn’t. The distance means you don’t notice it until you have to pay off that card, so you overspend.

Additionally, cards make overspending possible. For instance, maybe you only earn $6,000 every month. That’s the max you can spend without getting into your savings. However, your credit card company authorizes you for a $12,000 limit. You don’t have the money, but you can still make that big purchase on a whim. This feels like financial freedom at the moment, but it really traps you in long-term debt.

Do you regret the credit card debt that you have? Do you worry that it has ruined your financial future? There are always options. Make sure you know what steps you can take to eliminate your debt and move forward after any past mistakes.