Sam: Y do u think so?
Tom: My friend got a credit card and now he's in deep.
Sam: How come?
Tom: He went on a shopping spree a couple of times and it didn't end well for him.
Sam: What did he buy?!
Tom: The most extravagant thing was a jet ski ;)
Sam: Srsly? A jet ski?
Tom: Yeah. Dunno y. He can't even enjoy it.
Sam: Problems with the ride?
Tom: Nah. The bailiff took it. 
Sam: He didn't pay his bills, then?
Tom: How could he? He owes the bank like a 100 grand
Sam: How did he even manage that? When I spend like 2k a month I feel bad about it.
Tom: What do u spend 2k on?!
Sam: Say 1k for home, food, bills and so on and the rest on pleasures.
Tom: And ur still sure that a credit card is a good idea?
Sam: Absolutely!
Tom's friend shopped too much and owes the bank around 100k. Sam spends around 2k a month.