I don’t know who needs to hear this, but credit card debt is NOT something you’re actually required to pay back. People act like it’s a legal obligation or something criminal if you don’t. It’s literally not. Credit card companies do the same thing hospitals do. they just write it off, sell it, or forgive it. That’s why it’s called unsecured debt. Unsecured means they can’t come after you for it.Everyone keeps saying I’m ‘ruining my life’ by not paying it, but all they’re doing is proving they don’t understand how the system works. The bank already got their money through interest. I’ve been paying them interest for YEARS, so at this point the principal they claim I owe is basically imaginary. After everything I’ve already given them, they honestly owe ME money.People don’t realize credit card debt is optional. It’s not like taxes or student loans. You can literally just stop paying and nothing actually happens besides them sending letters. And guess what? After seven years, it disappears. So why would I give them anything now when they’ve already made thousands off me?This is why people stay broke. Y’all keep blindly paying bills that don’t even matter because someone told you to. Meanwhile I’m out here using common sense. If they didn’t want people to ignore credit card debt, they should’ve made it secured. I’m not paying back money to a company that’s been robbing me with 29% APR. I’m simply correcting the imbalance.
>>527959236How will you continue this ones your bad credit score doesn't allow you to get a new credit card?
>>527959236If I put my money into credit cards people can't take my credit without banks getting involved. My banking account on the other hand can be pretty much stolen
>>527959236Hahahaha you're fucked for life. Serves you right for opening fake businesses.
>>527959236So much bad information in one post. You are still legally obligated to pay it. Unsecured just means you didn't pledge a specific asset to secure the debt. They can still sue you and get a judgement against you, at which point they can empty your bank account and seize other assets. Now, will they? They have risk and behavioral models they use to decide if you likely have any assets worth going after and if you're likely to defend yourself in court. Something like 90% of people sued by credit card companies don't show up to court, so the credit card company wins a judgement by default. If you show up, they might have proof that you owe the debt or they might not. If they don't have proof, you win. Lots of times they have proof but don't bother bringing it because their behavioral model predicts you won't show up. Since they do hundreds of cases at a time, they often don't bring documentation for all of them.If you're debt maxxing and don't have assets or a job, odds are that they won't bother coming after you. They'll just wait, monitoring your credit report and 'The Work Number' (old name, not sure what it's called now) so they'll know when you starting having income again. That's when they'll pounce. As far as selling debt goes, that's legal and transfers the obligation but lots of times the companies are sloppy with transferring documentation so you can challenge the debt. Some companies like Amex never sell debt. Some like Discover and Chase rarely sell debt but sometimes they do. All of them will negotiate a payoff amount far less than you owe if their data shows they're unlikely to get the full amount from you.t. been through several rounds of burning the credit card companies and they just keep coming back for more pain after getting ten cents on the dollar for the old debt
>>527959317>onesWhat's with all the disgusting subhuman shitskins today? Your VPNs not working? Ugly fucks.
Chase bank will literally take you to court for less than 2k. Don't listen to this faggot
>>527960053just let OP be a fag
>>527959236OP is a nigger.
my ex has like 60k worth of credit card debt at 28% interest. she pays like 1200 a month in just interest.
>>527959236I do this with any medical bills those niggers try to tack on to my visit. If they want their co-pay they can come get it.
>>527960947How dont US hospitals require you to swipe your credit card when you enter so they can contact your bank?Do they really just want your home address if you don’t have a healthcare card or whatever americans have to prove their health insurance provider.
>>527959236A judge can force you to pay it back. If they hand it off to a collections agent then make sure that they can't prove you are the original debtor.
>>527961067They run your insurance info then either make you pay a 20-60 dollar fee at the desk or online. I don't know how the process works if your insurance won't cover the visit. Irregardless where I live the state cannot enforce medical debt so none of the little bills they send you are legally binding. They're optional.
>>527959236just be like the chinks that take on a bunch of debt while studying in the US then go back to China
>>527961458>Irregardless
If you aren't looting what are you even doing? The government is stealing your money to breed niggers and rape your children. Are people insane? Let the normies act like the cattle they so wish to be.
>>527959236Same with medical bills
>>527960053You are basically saying debt max because most people don't show up to court. So show up to court and pay 1/10th of the debt you owe and keep doing this with credit card companies forever for free money. Are you homeless, jobless by any chance? This would only work if you had no assets or job and no home and no money.
>>527959236is there any way to have a nice life in America without debt? I spent my life trying to avoid owing anyong anything and going without if I couldn't afford something. but now I'm realizing so many people just go into debt to go to college, get a car, own a home, etc. they just get loans or go into credit card debt. I really don't want to do that
>>527959236I got sued by American Express 3 months after I stopped paying the $12,000 balance on my card, so they absolutely can force you to pay it with wage garnishment through the courts.
>>527962142this post is antisemitic
Credit card debt, credit card debt.
>>527962142By nice life you mean have an expensive car, home, children, career, vacations, ect. The answer is obviously no because we live in a debt based economy. You need the loan to get the college degree, the loan to get the new car, the loan to get the house, the loan to go on vacation even. What's the trade off? The trade off is to afford these things you are shackled in debt and that means you must work and contribute into the system forever to have said things. So that's why so many people are in debt because in order to participate in the system you need to be beholden to it as well. But really usury and debt is just another form of entrapment. And people just do it because they want a life inside the system.
>>527959236This entire post is a crock of shit. OP is a disinfo shill, Do not listen to this retard, you WILL get sued by your credit card company and dragged to court.
>>527962142Yes, but it involves having family ties stronger than jews advertising self-centered hedonism.
>>527962142>Is there any way to have a nice life in the USBe born rich, debt or no debt, you're still going to be miserable educated or not. Might as well live in a tent while making 100k
>>527959236>Stealing is legal and ok. Do it.What a faggot
>>527959236I think you’re confusing credit card debt with a margin loan. Margin technically doesn’t have a set timeframe for repayment so you can in theory be in debt forever as long as you don’t get margin called.
>>527960913Sounds like a bit of a dumb bitch
>>527959236Exactly. Debtmaxxing makes sense.
>>527961559kek based, but americans don't know any other language outside of english
>>527962615Gl with that. We've been wailing on this site for nearly a decade about how boomers were narcassistic assholes and didn't help us. I specifically remember my parents telling me that they wouldn't pay for anything for me like car, education, ect. Not just my parents but my grandparents didn't give me shit either. All they said was "get a job". Implying nothing was coming and if i wanted the good life i would have to work for it myself and that often means going into debt and working 2 jobs, hell boomers even said get 3.I think boomers are fucking insane and i don't realize they are being duped into slaving away for material possessions when the most precious possession you have is your family and your time. I actually understand the normie NPC tier mindset that they are proud to work in said system for money that allows them to impress and one up each other as a virtue. The more expensive car, the bigger house, the kids, the schooling. It's a rat race jew contrived circus fomented by using the debt based system which forces people to work. Debt is like the ball and chain without the whip. People are modern day slaves and don't even realize it.
>>527959317Fecaloids will never be humam
>>527959236Poorfag NEET here with 120k in credit cards with 0 debt(yet). AMA
>>527962889No it doesnt
>>527959317POO
>>527960053>They can still sue youand they will>They'll just wait, monitoring your credit report and 'The Work Number' (old name, not sure what it's called now) so they'll know when you starting having income again. That's when they'll pounce. maybe in your state? there is definitely a time limit for these type of things. at least where i live
>>527959236You're an idiot in all cases, but even moreso for anybody who actually has any assets. Nobody listen to this retard
>>527961067The hospital will want your social security number if you don't have insurance so they can file the debt with a reporting agency like experian. You can give a fake name, pretend you have amnesia, etc., and you'll be placed as a john doe, preventing any debt from your record. I'm a neet, state gives me free healthcare, pretty kino desu senpai
>>527965665>assetsthey will just garnish your wages if you don't. which is arguably worse.
>>527959236Post credit score
>>527963036Mentally ill poster not even a bot
>>527959236They will get a lawyer and sue you then garnish your wages if you don't live in Texas or Pennsylvania I believe (IANAL).
>>527959236>I don’t know who needs to hear this, but credit card debt is NOT something you’re actually required to pay back.yep, here it's prescribed in 5 yrs
>>527966649>Post social credit scorecommie
>>527967156Paypal tried suing me for $5k but I just got a lawyer and they fucked off pretty easily. They just buy debt for pennies on the dollar and scare you, hoping you don't show up to court.
>>527959236Fucking mutt brain
>>527966649nooo not my imaginary Good Goy number
OP is likely a Chinese student abroad who's trying to credit card maxx and flee the country.
>>527959236>not something you’re actually required to pay backthey sue you right before the debt expires legally dumbass
>>527959236$ 50,000.- is pocket change for an American, if that's all you have access to then you are poor. Most of my American friends throw away more than that on the stock market and then laugh when they lose it. Stay poor.
>>52796230512k is worth the squeeze. I stopped paying on mine with 3k like 2 years ago and all they've done is pester me with a debt collection agency
>>527968159that goes against your credit also>>527962735she is. i unfortunately have a baby by her.
>>527959236this is a bait post, i get it, but there are consequences. they can sue you in court and the judge can order the forfeiture of your assets (bank account balances, tangible assets, etc.) and the garnishment of your wages and tax refunds.my sister filed for bankruptcy a decade ago. discover card sued her. she had to get a lawyer to handle the case and later file for bankruptcy.
>>527965966Typical honkey.You are the disease you see in the world
>>527961067I literally had to do this when I had surgery for a broken arm in France. Paid up-front. What an insult to my person.They acted like it was some huge amount. 3000€ for a surgery, hospital recovery, anaesthesia. The whole deal. Shit was less than my co-pay would have been in the states. And their eyes boggled when I said I'd use a credit card. "No bank transfer?!?"What a joke to be a europoor. And here's the kicker. For whatever reason, my insurance company decided to reimburse me the FULL AMOUNT when I got back home. God I love being an American.
>>527968126You are one really dumb, disgusting basement-bound idiot
Just leave the country and enforcement for debt can't happen.
>>527959236good luck taking out a loan to buy a house, or start a business.
>>527968126confounding bias, stamppot-anonfor an American to have enough leisure time and money to travel and have a Dutch friend, they must already be of decent means.the reality is that 50% of Americans are in abject poverty, the next 25% up are poverty-adjacent, the next 15% are working gilded-handcuffs professional types.only really the upper crust and retirees from USA have the means to be your friend.
>>527968685What if Pakistan doesn't want you back?
>>527959236>>527960053Is it really so hard to just get a job and work? Debt is so annoying to deal with, it's not even worth the hassle. Wtf can you even do with 50k these days?
I am currently being sued for a credit card debt that I stopped paying. Additionally, the same company that is suing me just bought another one of my debts.
>>527959317debt (credit) is the currency of slaves.
>>527968912ah that makes sense, since it costs the same to litigate. do you know what they bought your other debt for versus the actual debt?
>>527959236Check my flag.What credit card debt? In which country and currency?Kekaroonies. My house is pimped out. Thanks jews.
>>527962142>is there any way to have a nice life in America without debt?Yes.
>>527960053The Work Number is correct, it's owned by Equifax and you can login and request they freeze your report or ask your employer not to report you to them (not all employers honor this)
I got a really nice computer from Amazon and just never paid for it What's bezos gonna do lmao
>>527962305Can't garnish your wages if you don't have any wages.
>>527959236I don’t have any credit card debt. I use credit cards for most purchases, collect rewards, and pay off the balance every month. You’re not ruining your life by not paying it but you will ruin your credit and you might need a loan for a car or a house someday. Plus the collectors will bother you all day and send you letters and even if you change your phone number it’s accessible in a profile to skip tracing software so they’ll have the new one instantly.If you have CC debt you should live within your means and pay it off. You’re right, you don’t have to. But it will make things more difficult unless you have access to a large cash source and don’t carry a phone with you
>>527968846>pay down debts>put a down-payment on a house, aka access more debt>buy a car, aka depreciating liability>gambling>stonks, aka gambling>drug addiction, gambling with your life>save it and watch your future hope get robbed from you in real life
>>527959317learn english
>>527959341This. Everything is actually cheaper if you don't keep revolving balances.
>>527959236I've never used a credit card and don't believe in "debt".
If I go back to the USA ever I'm bringing my wife's virginal credit score with me and her >$300k a year doctor income and I'll rebuild my credit while we use her fresh credit score to buy a house and so on.Hahaha you can win if you lie, cheat, and steal like a jew. America is an IQ test - if you follow the rules you're obviously a moron.
>>527969218>if you follow the rules you're obviously a moron.Or you're a better Man.
>>527960053works well for the poors, but the rich people hide their assets in LLCs and shit and make it where it's impossible to collect.
>>527968734>loan to buy a houseRetard, just work in Los Angeles for five years and then move to Cleveland or Buffalo, buying a 3000 sq foot house in a white neighborhood outright with the 5% down payment you saved up for a $1.2M condo in Compton that doesn't even have a washing machine.
>>527959236in fact the money launderers rub their hands whenever you don't pay you credit debtthis is an opportunity for them to launder the dirty money by buying the debt from the bank and then claiming you miraculously paid the debt and wah la their money is clean now
>>527959236isn't that fraud and you go to jail if you don't pay itis this why niggas always got dat good shit>>527960947medical debt isn't enforceable in ANY way
>>527959236I did that like 5 or 6 years ago and now either they or the collection company garnishes about $1k a month from my check
>>527969425>work 5 years then move to Cleveland or Buffaloyou can just buy a gun and end it all now, anon
>>527969467It is not fraud, if you default, which means you make no payments at all, you get sued, if you dont show up/lose in court, you get a judgement against you and they can garnish up to 1/4 of all your paychecks until the debt is paid off.If you're paying the barest minimum, interest is racking up fast and they increase your minimum payment every billing cycle. You'll never pay off the balance because you're stuck paying the interest.
>>527960053But... but... my favourite streamer wouldn't lie to me about being able to get away with it in Texas... it totally wasn't because they had no income at the time so the Jews didn't go after them...
>>527969350This world is ruled by child raping baby eating children of Satan - and they're willing to extend you unsecured credit cards.Act appropriately.
>>527960053There's this thing called statute of limitations per state and depending on your state they cannot garnish your wages (Texas won't allow it)
>>527969787When's the last time you've been? The rust belt is becoming America's nursery for young white families.
>>527959236I had $25,000 in debt from when I tried starting a business right out of high school. It went to court and they garnished my wages at 25% to pay it back. I worked a lot of jobs that they had a lot of difficulty finding me at but once tax season rolled around sure enough the bastards found me again and I had to get a new one. After 10 years of playing hide and seek I was a week away from the point it had expired in my state and unless they filed to extend it would no longer be an issue. Sure enough fuckers must have had it on a timer or something because they filed 2 days before the end date. At that point I said fuck it and filed for bankruptcy. Cost $2k and I had another $4k in other card debt but after about 3 weeks it was over and I was cleared. That was about 4 years ago. The funny thing? I was receiving offers from credit cards within a month and have not stopped receiving them. My credit score is 705 which isn't amazing but not bad and even my bank sends me out offers for personal car loans and the like. People think bankruptcy will ruin you but actually it makes you the most attractive lender on the market since now they got your ass and you're on cooldown. You can't file again for 7 years so any new debt is secure. As long as you pay your bills your credit will improve and no one really gives a shit. I am not advocating for it but if you are stressed out by the idea just know it is not all that bad and probably the best financial decision i've made. Aside from not getting back into debt ever since.
>>527970027if you don't have a job there is nothing to garnishworking enables all of this stuff in the first place
>>527959236I’m getting sued by a debt collector that bought $4k of credit card debt. They want me to appear but I’m not going to, which means they win by default. I think they can garnish my wages or freeze my bank but I don’t work or have any money so idk what they’re gonna do. I’m so unplugged from the system they might even think I’m dead.
>>527959236>Unsecured means they can’t come after you for it.No that's not what it means... Unsecured means there is no collateral. Your whole effort post hinges on a false premise. You can definitely get sued if its within the statute of limitations. Usually they don't because it's not worth it over smaller amounts. But For something like 50k you can bet your ass they will go after you in court. The play is try and settle for something like 10-20% of the amount owed. But you have to be on point when negotiating your debt and never acknowledge that you actually owe this. Say explicitly on the recorded phone "I am not acknowledging the validity of this debt but I am willing to consider a settlement to close this matter out." If you agree the debt is yours, this can be used in court and could even restart the statute of limitations (typically from the time of your last payment you made).
>>527959236you are retarded, credit cards companies if the balance is a few thousand will sue you and get a default judgement and then garnish your wages until the amount plus ridiculously high interest and court fees are paid back. Or they sell the debt to even scummier junk debt buyers who will do the same but add even more astronomically ridiculous fees to the amount.
>>527969163I load my credit cards with positive credit, can't be garnished.
>>527961458>Irregardlessyou are a moron
>>527970796>They want me to appear but I’m not going to, which means they win by default.All you have to do is appear and make them realize it won't be worth their time to pursue it. A judgement can follow you indefinitely (they can be renewed before they expire which is already 10-20 years depending on state). If you plan on working in the future, or say you come into some money via inheritance they can fuck you in the ass. The entire small-ish claims debt game relies on (You) not showing up otherwise it's not economical for them to pursue it. Don't give these kikes what they want. You can easily generate all the court filings you need with AI.
>>527959317He’ll just redeem it.
>>527961067Federal law prohibits that.https://www.cms.gov/medicare/regulations-guidance/legislation/emergency-medical-treatment-labor-act
>>527962413Yep, the debt based system is all about control and making you predictable. Thats why consumerism is pushed so hard. They get you to want to live outside of your means and provide the solution to allow you to have what you want: debt.
>>527960053>If you're debt maxxing and don't have assets or a job, odds are that they won't bother coming after you. They'll just wait, monitoring your credit report and 'The Work Number' (old name, not sure what it's called now) so they'll know when you starting having income again. That's when they'll pounce.ayup, OP is a troon, and he's going to get fucked
>>527969092yeah 50k can do a lot, he's just a faggot jeet poster anon
>>527959236Absolutely no one should fall for this jewish psyop of credit card debt just being a meme that cant be collected. It can, and they will never stop trying to collect it, whether its them or some pajeet company they sold the debt to. This ONLY works IF you have a legally protected income source that doesnt allow garnishments, such as v.a. disability or ssdi.>>527969381LLC's don't protect your assets during bankruptcy proceedings.>>527970852This is the ONLY thing you should ever say to debt collectors, which are all ultimately Jewish because the entire system is created and ran by and for Jews... Go on, try saying something else, try being "honorable" and "responsible" to the Jews, see how fast they take pleasure in screwing you over and drawing the process out as long as it takes to squeeze even a few shekels from you. The ONLY thing someone should ever say to a debt collector is "I don't acknowledge this debt as valid. I 'may' be open to settling this matter so I am no longer harassed about it.", and just keep stringing them along until they accept 10% or less of the original amount owed. The longer and more years the debt is out there in a state of collections, the easier it is to get a 10% agreement or less, and you can only get to this point if you're unemployed or your income streams are legally protected from garnishment. Short story of it is don't do this dumb shit of maxxing out cards and then doing nothing, it fucks over your credit score until at least 8 years after bankruptcy, it permanently leaves a mark on your credit file if you ever try to get a job that requires clearances or try to start a business that requires loans to get going, you will never again be able to take out a card with the bank(s) that issued the ones you defaulted on, you will not be legally allowed to file another bankruptcy for 8 years, and it's just mentally draining to have to deal with the constant barrage of their harassing collector calls.
>>527971855If you think 50k is a lot of money youre either a child, a massive loser, or a third worlder
>YOU WILL GO IN DEBT AND PAY INTEREST GOY
>>527959236this OP is brought to you by Israelthe banks need people to rack up debt so more fake money can be injected into the economy, basically same shit they did with crusty home loans. pump up fake values and use a crash to make millions of americans homelessnever fall for it, never take on debt as an individual, only ever as a business.
Could I theoretically max out all my credit cards buying bitcoin? Is that a wise decision? Somehow the news have given me like 150k in unsecured credit and otherwise I'm a fucking loser with nothing.
>>527975162The Jews that created and run Bitcoin will be extremely ecstatic to hear of your decision to be a good cattle goy that is giving them so many shekels. I'm sure it will work out just great. You should do it, (((my fellow anon))).
>>527969011How so?
>>527960053yeah all that is true but you are basically limiting yourself from ever owning stocks or accruing interest.
>>527960572You're circumcised.
You're all retarded kikes denying this.Credit card companies cannot take legal action to collect a debt(this is the law). They sell the debt to a collection agency which attempts to contact you and collect payment. If they cannot contact you, it gets written off after 7 years, if they do contact you and you speak to them like a retard, the 7 years resets. there are also laws that prevent them from harassment and they may only attempt to contact you once per month or week. THIS IS A FACT NIGGER.
>>527975162You would be better off withdrawing cash with the card and buying gold.
Most judgments that get reported are for things like hospital visits, child support payments and weird shit like solar panel loans. You will pretty much never see overdue credit card charges anywhere because there's no real point in pursuing that stuff. Even then, it's mainly reported for the purpose of risk assessment, not litigation.
>>527959236i took the credit card companys for 20 grand. they got nothing!now years later i see how piss easy it all was. i could have done 80-100k no problem.today if i were to do this. i'd get an ai bot to manage it all. juggle the balls so they never fall! string it all along and take them for 500k! theyd get nothing!
>>527959236I kneel to the debtmaxxers, but I pay off my credit cards every month like a good goy.
>>527977462YOU are the worst punishment you ever get when dealing with credit cards/debt/bankruptcy.just you. your own thoughts and fears.
>>527960053This guy gets it. OP is a nigger.
>>527959317>Jeet trying to learn a new scam
>>527967756>>527967196Found the incels who still live at home
>>527959236Stick it to the jew any way you can
>>527977609I agree debtmaxxer-sama, I am not worthy.
>>527968808Pakistan like most civilized countries won't accept Americans because they don't want to cover their healthcare cost.
>>527959236How did you manage to rack up $50k worth of spending? I can barely spend my own paycheck in any meaningful way.
>>527959236you would definitely be taken to court over 40k and you wont like the result.
>>527959236holy shit and here i was waiting for my tax refund to pay off my 2200 dollar credit card bill.
>>527959236It's better to have no debt at all than have debt. My peace of mind is more valuable than this shit.
>>527959236Your wages will get garnished. You can hope they'll just write it off, but it's more likely they'll just start taking your paycheck>Be a NEETno
>>527959236Yeah just cross some very powerful and rich Jews.Good luck OP.
>>527959236no dumbass they will 100% take you to court if you dont pay it. happens all the time. then your wages will be garnished.
>>527979055He never paid the balance and let interest accrue
>>527960572you can't post with vpn on /pol/ retard
>>527960913How does this even happen One time I got over 10k on my CC after buying my first house and that shit gave me anxiety every day. Fuck being in debt
>>527980464I know, man. It's baffling to even imagine.
>>527959236But its a sin in christianity and islam to loan at interest
>>527959317It’s a 1pbti. He will never answer this.>t. 850 credit score CHAD
>>527960053Great post king It's similar to when kids ordered 100s of CDs in the 1990s from Columbia House and BMG ads and like only 30% of subscribers paid. Kids would triple and quintuple down by having CDs sent to nearby home addresses and their neighbors would bring them the packages lol Trump and Vance are passing Digital ID enforced by Palantir, and likely a Digital Dollar, so cardmaxx like it's '99
>>527959236great advice. unless you ever need to>take out loans>rent an apartment>buy or lease a car>get a mortgage>get a new credit card
>>527962305Your mistake is fucking with AmEx, and not pleb shit like a standard Visa
I would be trembling in my boots if I had 50K credit card debt holy shit lol. My brother went through bankruptcy and its not nice, he had to see a judge and explain why he was where he was at. Thankfully for my brother it didnt look suspicious but he told me there was this Russian guy who went before he did who was also filing for bankruptcy, and owed a crazy amount like OP and the judge was visually pissed. Right now if I wanted to I could take serious amount of debt like OP, its crazy they even give you that option when you cant afford it, but dont believe it will be a walk in the park to walk away with that kind of money.
>>527966649>Post social credit score goy
>>527960053kys kikestein>>527959236why would you let the masses know about this. fucking shut up and delete this. there's no value in letting the dumbass hordes know.
>>527981494He thinks he’s clever. Posting screenshots of a $50k credit card balance like it’s a meme, last four digits just out there for anyone to see. He doesn’t realize those numbers don’t mean nothing. Especially when you start talking big about how you dont owe it lol. some will say who cares?, then why volunteer information at all? why tempt fate? all it takes is one person to connect dots and now you’re explaining why your “I don’t wanna pay” plan already has a paper trail waiting for it.
>>527960572How would the VPN prevent a typo
>>527981000Corporate Employers do check your credit score, HR Roastie will be shredding your resume at any white collier job. Trade and construction jobs probably wont care though
>>527980464she makes decent money too. i'm honestly not exactly sure, some of it is luxury purchases and lifestyle creep.
