Daddy, the problem is you haven't been making enough payments on my credit card!
I'm just doing what I'm supposed to do, spending money like crazy on stuff. It's up to you to keep up with me on payments and you just aren't paying enough! It's #$%$ me off because that means I can't spend as much. And for that matter what's this credit limit thing anyway? How lame is that, why can't I just keep spending all I want? So Daddy can you make more payments and call the credit card company and take the credit limit away?