Do you spend money that you don't have?

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With credit cards so prevalent, some people spend too much on things they can't afford actually and therefore they are struggling in paying off their monthly mounting bills. That is to say, they are spending the money they don't actually have. I have over 5 credit cards in my wallet. And the real reason behind this is I enjoy receiving the small gifts from banks and collection of some cards in my purse. I don't need to borrow money in advance. It's been over four years that I use credit cards, but there is only once that I really need to borrow money, a big amount. It is the first time that I feel thankful for my credit cards indeed. Every time before I scan bank cards, I must first tell myself and warn myself that this is within my economic range. So I don't buy things on instalments because the interests are incredibly high !