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KXLY April 14, 2021 6:00 AM Elizabeth Renter Posted: Updated: Getty Images Credit card debt can be very expensive. But if you’re paying only the minimum when you can afford to do more, it could be that your past is to blame. When you carry a balance on one or more cards from month to month, you wind up paying far more for the items charged as interest stacks up, and wiping out that balance can take decades. But paying off a credit card isn’t always a simple task. While it’s important to understand how the interest on such debt works against you, managing credit card debt isn’t always a case of “if you know better, you’ll do better.” For those of us with a history of long-term financial hardship, this is especially true. ....