Most of us are guilty of having at least some credit card debt. It is incredibly easy to reach into your wallet, move right past the cash, and grab one of the various pieces of plastic to pay for items, whether we can actually afford it or not. “I’ll buy it now, and I will worry about paying it off later!” Sound familiar? Don’t worry, you’re not alone. According to Forbes, around 75% of all Americans have at least one credit card, so that temptation is shared by plenty of other folks.