Credit card debt usually occurs when a person is struggling financially in other ways. For example, a person who has recently lost their job may start using their credit card to finance most of their purchases, and consequently, have no means to pay the debt back.
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.
Credit cards can be so tempting to use, especially when you are struggling financially, and you have already exceeded your monthly budget. Credit cards can feel as though you are not spending your own money, which can feel exhilarating when going through the mall and looking at the endless possibilities.