Whereabouts are you from? http://www.stlukesmetuchen.org/cash-plus-usa/ lending rate  But what makes Erinn especially nervous is that she's racked up debt on three credit cards.The total? It's more than three times her monthly income. "It's something that I know I should think about, but I don't. I could probably make way bigger credit card payments, but I'm reluctant to give up my lifestyle. I'm probably still paying interest on the time that I bought Chinese food eight years ago!"