While we don’t have any credit card debt now, except for 0 APR balance transfers, there was a time when we did. While we never let our credit cards get completely out of control, we did build up several thousand dollars on our credit cards when I first got out of college. So having gotten into card debt and then climbed out of it, we’ve learned many of the causes of this financial pain. The fact is, we can talk ourselves into using our credit cards in ways that will hurt our finances down the road. So here are 10 lies we tell ourselves that get us in credit card debt and keep us there.