A
Oh, do I.
B
I bet you used them all up over Christmas.
A
Yeah, mostly over Christmas. Uh, I get in a rut with credit cards cause they get me kind of in a vicious cycle. Where you use them a lot one month and then you have to use whatever money you have to pay those off --
B
And then your are in debt.
A
-- and so then you have no money,
A
so you use a credit card.