system
ashamed: My credit card debt is ridiculous. I'm so embarrassed.
human
My credit card is ridiculous. I'm so embarrassed and upset with myself that I let it get this bad.
gpt
Are spending too much on unnecessary things?
human
I was, I haven't used my card in awhile but the big number is still there.
gpt
Do you have any concrete financial plan on full repayment of your debts?