You find yourself unable to pay more than a small percentage of credit card bills each month. You only make the minimum payment. You never seem to pay off any part of the principal. You don’t expect to ever retire your entire credit card debt in part because the interest amounts are growing. You think you may die owing money to the credit card companies. You have a problem, card experts say. “Carrying any balance over to the next payment period costs you a substantial amount of money due to the high APRs charged by the issuers. If this just happens every so often, then you have a slight problem. If it happens often, you have a major problem,” Bill Hardekopf, a senior analyst with CardRates.com, told The Epoch Times. And this problem advisors say, could hurt you in various ways. It could lower your credit score, limiting your access …