Unlike cash, using credit as a way of getting fulfillment in the moment leaves you with the sense that you have to ‘pay later.’ This is the idea of trading what seems like a good idea right now, at the cost of something else. The credit card is a classic symbol of how the past can burden how you can remain open to the future. You can be ‘saddled with debt’ or burdened by seeking instant gratification to hide a lack of real fulfillment.