Question

Why do some people have a problem with their credit cards?

Answer 1

Either because they filled it to the limit and haven't paid it off or it's swipe not chip. Also if you're in a different state than where you registered the card you have to call your bank and let them know your out of state

Answer 2

they spend over their income or spending that they can afford to pay back and don't know enough about credit card, they are easy to over spend with.