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A secret credit card can mask the secret expenses of a sex addict.

Maybe the addict amasses thousands of dollars in charges to cover pricey hotel rendezvous with high-dollar escorts – and to hide these deceitful expenses from a spouse.

When coping with that sort of debt, secret credit cards can come into play. “Remember, secrets are the hallmark of an addiction,” she says.

“He was not at all wealthy,” she says, “but was clearly and quickly diminishing his savings.” As part of his treatment, Winter had the man create a spreadsheet laying out his income and expenses so he could confront his financial predicament.

“You hardly ever see people before there’s a crisis.” Coambs says guilt about out-of-control sexual behavior also can prompt an addict to engage in credit card-powered overindulgence to appease his spouse and kids.

For instance, the addict might buy high-tech gadgets for the kids or fancy restaurant meals for the spouse.

But it’s typically not credit card spending that triggers the crisis; rather, it’s the loss of a job, the impending breakup of a marriage or the deterioration of the addict’s health.

“That’s when they realize this is serious,” Giugliano says.

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