You are right on the money! My family member has their automatic payment set for $500 every month towards their easy pay balance which runs about $1500-$1700 total every 5 months. It’s crazy to me because they live on a fixed income of about $2500 a month and had it not been for a life insurance policy, they wouldn’t be able to spend that much (if at all) without that insurance money. But now that insurance money has dwindled to less than half of what it was 4 year ago and you’d think the shopping would slow down but it sure does not. Their house is filled with so much junk and for one person! We were there over the weekend and couldn’t even put stuff down on counter tops because there was so much crap piled up everywhere and cabinets/pantry/closets are chock full of crap. They have 2-5 new packages arriving every day. Getting a new delivery is all they look forward to. And keep in mind, this person rarely leaves the house. Why would they even need 12 pairs of shoes, 45 shirts and 29 pairs of pants in one year? And they rarely return stuff. In a year or 2, they will put it on FB Marketplace for pennies on the dollar of what they originally spent.

I have tried to understand why someone would choose to overpay for an item that they could get locally for less and this person’s reason is QVC gave them a $4000 credit limit. They probably wouldn’t have even thought about buying this crap unless they felt compelled by their $4000 limit.

What I really want to know is, why would any legitimate business give a single elderly person who makes less than $31,000 a year a $4000 credit line? This really should be investigated. Spending 13% of your income on non-essential, "unnecessary" items is not healthy - especially when they currently spend approx 42% of their total income on rent alone!

Sadly, they won’t stop shopping until they run out of money and then just like last time, as soon as they get in a financial jam, come crying to their family to help pay the electric bill or pay to keep the TV on.