The context of the following conversation is Jesse just got a credit card, but then Jesse spent too much money online.:
Jesse says I am so stressed out by my bills..
The friend responds I thought you had a good paying job?.
Jesse responds I do, but about a year ago I got myself a credit card..
The friend responds Oh, so you got yourself in credit card debt?.
Jesse responds Yeah, it was just so easy to go shopping online with it that I wasn't careful at all..
The friend responds Best advice is to cut it up, return what you can and no more shopping till the debt is paid..