Aside from bringing financial woes, credit card debt can have a harmful effect on relationships with family and friends. Debt can result in continual pressure from debt collection agencies, which can cause serious stress that may affect your relationships with your loved ones.

A man who was given the alias Chad Johnson told the Bellingham Herald that he had ten credit cards that went under. "When you pay your credit card bills on time, more cards magically arrive pre-approved in the mail. You start to believe a fairy godmother is giving you money to spend. The craziness has caused verbal battering between my wife and me," he told the news source.

If you find yourself in serious credit card debt, there are several ways you can manage your bills. Debt counselors can help you get on top of the amount you owe. Additionally, keep in mind that the stress you are feeling comes from your finances, not your family members.

Making a budget, as well as creating an emergency fund for major expenses, are both great ways to help you manage your debt, MSNBC reports. Your ultimate goal should be to eliminate your dependence on credit cards, and to use your own money to pay for expenses and purchases.