A Painful Question of the Day
Nicole Dieker

Credit cards = guilt because I use mine either for things I can’t pay for immediately, or weird big purchases like a 6mo insurance premium or a medical expense. Inevitably I will have to pay it off, likely in big chunks out of my next few paychecks, using money that I wasn’t planning to spend in that way.

Also, when you’re paying back a balance on a credit card, there is the pain of parting with money, without the immediate reward of receiving the goods or services you’re payng for. You borrowed that from your future self when you pulled the credit card out of your wallet.

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