<prompt> Human: She applied for a ton of credit cards and ran them up on clothing, vacations and a bunch of other junk. I sat down with her at my last nail fill and the monthly minimum payments on the accounts are well above her income. She wants to open a couple more to pay for a vacation for her daughter to see the far east and take her on a big shopping spree. At what point should she probably just quit making payments all together?  <response>: Sounds like she needs mental health advice before she needs personal finance advice. 