Tis the Season to Go into the Red

But will you still be merry when the bills come due in January?

A pile of credit and debit cards in a file photo dated July 18, 2018. Andrew Matthews/PA

You find yourself unable to pay more than a small percentage of credit card bills each month. You only make the minimum payment. You never seem to pay off any part of the principal.

You don’t expect to ever retire your entire credit card debt in part because the interest amounts are growing. You think you may die owing money to the credit card companies.