Here is a link to an interview with Charlie Scanlon, of Phoenix Credit Consultants.

https://https://www.ksdk.com/article/news/local/tisl-binge-week-the-dangers-retail-therapy-can-have-on-your-wallet/63-598254974

 There is some good advice here to consider the next time that you pull our your credit cards and head online or to a brick and mortar store to shop!