Most New York residents have at least one credit card. After all, these convenient cards can be used almost anywhere in the U.S. and are an easy, simple way of paying for things instead of carrying around loads of cash or having to write out checks. But because of their frequent and sometimes improper use, many people suffer from credit card debt as well. Here are some contributing factors.

NBC News takes a look at what happens whenever a person misses their credit card payments. This, along with paying only the minimum and accruing interest charges, are two of the bigger reasons as to why people go into debt. Penalty payments can be incited against people who miss the 30 day payment deadline. This can vary from card to card, but is usually $27. Then, there is “penalty APR”, which is often triggered if a person’s payment is over 60 days late.  These rates can shoot up to almost 30 percent. It can take as much as six months for an account to be reviewed to determine if the APR rate should be lowered.

FindLaw also takes a look at some of the behaviors that can lead to credit card debt. Some people use credit cards as a way to pay off other debts. Many others fall prey to the trap of viewing cards as “easy money”. Thought patterns like this lead to an increase in rationalizing purchases, impulse shopping, and breaking budgets. All of these combined can create poor spending habits and money management skills that can easily lead to debt.

Those who are suffering from credit card debt will need to know what to change when they get back on their feet. Examining habits is a good way to start walking down the right path.