<prompt> Human: I am just wondering because i usually do the bills for my parents and I always pay their CC full before the due date. most of the people asking for advice have 3-4 CC cards with Debt on them. How does one get in so much debt?  <response>: A lot of well meaning people end up eyeballs deep in credit card debt due to unexpected job loss and not having an adequate emergency fund to cover the time not being gainfully employed.Even though theres no income coming in, bills still gotta get paid and mouths still need to be fed. 