Before the global economy took a nosedive, there was no way for the average consumer to know what was going to happen and how hard hitting it would be. There is no use beating yourself up about the credit card debt you have incurred now. As they old saying goes: it is no use crying over spilled milk and that is absolutely true.
You have the debt now and crying over it isn’t going to help an ounce. What you need to do is work constructively and effectively towards whittling your debt down to nothing. That is where a credit card debt relief program comes into play. It is just the thing you need to help you on your way to a happy and debt free life.