Credit Problems Warning Signs

1. Are you able to make only minimum payments on your credit cards?
2. Are you unsure about how much you owe?
3. Do you skip payments on some bills to pay others?
4. Do you have enough cash for an emergency?
5. If you lost your job, could you pay your basic living expenses?
6. Are you receiving calls and second and third notices from creditors about overdue bills?
7. Do you find yourself arguing with your spouse about money?
8. Are you at or near the limit on your credit cards?
9. Are your savings vanishing?
10. Are you borrowing from one credit card to pay another?
11. Are you being denied credit because of a negative credit bureau report?
12. Do you take frequent cash advances on credit cards?
13. Are you increasing the total balance due on credit accounts each month?
14. Are you getting credit cards revoked by the issuer?
15. Are you putting off medical and dental visits because you cannot afford them right now?

Information adapted from suggestions by the National Foundation for Consumer Credit organization.