‘Just send it straight to collections’: This TikToker hasn’t paid her credit card bill in 7 months — says she needs the money to cover the ‘bare necessities.’ Is she making a mistake?

“If you’re anything like me, just a normal person with a normal job in this s— a-- economy that can’t afford anything these days, except your bare necessities, then you’ve slacked on paying some of your bills,” the mom of two says.

Brandi adds that she hasn’t paid off her credit card bill for the past seven months, despite making decent money as a salesperson. It’s just too expensive to pay the credit card and her basic needs.

Her credit card company eventually called and told her that they’re close to sending her debts to a collections agency. The credit card representative warned her that this could seriously affect her credit score.

“Do you also realize that right now my credit score means absolute f— all, nothing to me?” Brandi says. “Do I look like I’m buying a house? Do I look like I’m buying a car? Does it look like I can afford to buy anything ever again?”

“I’m going to save us both the time here,” she says she told the credit card company employee, “just send it straight to collections because between now and next month if you keep trying to call me, nothing’s going to change.”

Credit card balances are common

Brandi isn’t the only one giving the finger to the credit card companies. Bankrate discovered that 49% of Americans carry a balance on their card from one month to the next as of November 2023. This is up 10% since 2021.

But most people aren’t carrying these balances due to overconsumption or a shopping addiction. Bankrate’s study says that 43% of cardholders’ balances are due to an unexpected or emergency expense.

Inflation has shot up 3.4% since last year, according to the most recent Bureau of Labor Statistics data. Shelter, electricity and food have all seen price increases, making it harder for people to make ends meet.

This is especially true if they’re facing an unexpected expense. Only 63% of Americans have enough money saved to pay for a $400 emergency, according to the most recent Federal Reserve numbers.

"Inflation is making an existing trend worse," Bankrate senior industry analyst Ted Rossman told CBS MoneyWatch. "We've been seeing this for a while, with more people carrying more debt for longer periods of time. It's moving in the wrong direction."

Does your credit score really matter?

Unfortunately, ignoring your credit card bill only makes matters worse. You may find, like Brandi, that before long you’ll receive a call from a collection agency. But even if it doesn’t escalate to that point, each month you leave a balance on your card is likely to impact your credit score.

And if you trash your credit score, that will only make it harder for you to buy a home or a car, or even get a new credit card in the future.

But it’s tough to care about a credit score when you’re struggling to get by. Brandi says she’s putting off her credit card payments because she needs to focus on buying essentials for herself and her kids: food, rent, car payments, medicine and clothes.