ok, so in the interest of debate - because I still don't actually care - I will analogise this for you:
John earns $x a week.
John spends more than $x a week and has been using his credit card to cover the shortfall, but pays off as much as he can to minimise credit payments, however after some time of living like this he has a debt of $y, and pays credit fees each month.
John gets a christmas bonus, learns of a promotion, and starts seeing a financial advisor all at the same time. (Lucky John!) John realises that he can pay his debts off completely with the bonus and can then use his credit card to buy all of his christmas presents, meaning that he has no credit fees to pay this month, but of course he still has money on the card. His advisor explains that with his new pay rise he can just about break even, but if he stops smoking and gambling, he can actually start to put some money away.

Within a short time John cuts up his credit card and saves for his holiday to Malaga. He tries to buy a ticket online, but realises he can't without a credit card so he is forced to go down to the nearest Flight Center where he is ripped off. John spends a week in Malaga where he takes some bad drugs and ends up in hospital. Unfortunately the dodgy travel insurance policy he purchased didn't cover self-induced problems (read that smallprint) and he returned home in bigger debt than he'd ever imagined. He lost his job and ended up in a bed-sit with only his computer and a deep distrust for anything red and white. He spent the next few miserable months visiting football forums constantly warning people that "there's no money" before they finally institutionalised him.