People use credit cards to buy groceries, go shopping, and do many other things. They use credit cards like candy. When people get their credit card bills, they pay the minimum amount due because they become scared and afraid that they will spend more than they have. These obsessive compulsive spenders spend money for absolutely no reason. Most credit card companies give consumers credit card offers because they know that consumers will accept them, especially around Easter, Thanksgiving, and Christmas. Up to 75 percent of people who pay the minimum amount due have debt on credit cards. Paying the minimum amount on a $1,000 balance can lead to more than $500 in finance charges. Credit card companies charge 14-30 percent in interest. Having more than $5,000 in credit card debt could end up costing more than $10,000.