It is commonly known that unpaid credit card debt can cause consumers to feel stressed and worried about their finances.
Now a study published in the American Journal of Health Promotion found proof that unpaid credit card debt is also linked to psychological and health risks, such as bouts of depression and a higher body mass index (BMI). These health risks, in turn, may lead to an increased risk of chronic diseases such as heart disease.

The link between the health risks caused by unpaid credit card debt may be found in different areas of the human psyche.

Firstly, it is important to note that unpaid credit card debt, no matter whether it is excessive credit card debt or not, causes uncertainty for the person who incurred the debt. This uncertainty of not knowing when and if the unpaid credit card debt can be paid off, how much the interest repayments will be, and how the repayments will be made can cause adverse psychological reactions.

Secondly, many consumers find it extremely frustrating to see part of their wage go straight towards paying off their credit card debt, and never be able to use it for themselves. The feeling of frustration becomes even worse when the unpaid credit card debt is quite large and the consumer feels like they’re not making any progress. In the worst case scenario, the reaction is like a child that wants immediate satisfaction – the consumer gets fed up with paying off their credit card debt and never having any money. They get so frustrated that they want to buy something to reward themselves and as a result accumulate even more debt through interest free purchases or the use of their credit card.

Thirdly, many people associate excessive credit card debt with feelings of shame. The amount of unpaid credit card debt signifies to their own failures to them. This could range from a failure to provide for owns family, or failure to control spending habits, to failing in keeping up with the earnings of family and friends. Feelings of shame are usually magnified when other people become involved in managing a person’s credit card debt problem.

These three psychological aspects of unpaid credit card debt show that credit card debt problems are about more than just money – they involve our psychology, emotions and attitudes on every level.

Knowing how to solve your credit card debt problem and start paying off your unpaid credit card debt, includes learning about the psychological aspects of debt. Once you realise that getting rid off your credit card debt is easier than you think, you’ll be able to escape your unpaid credit card debt forever.

Ultimate Guide To Busting Your Credit Card Debt
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