I think maybe the credit card is maxed out because of Christmas, New Years Eve and Valentines Day.
On a side note.
I don't use credit cards. I believe they were created just to encourage uncontrolled spending. It is one of the reasons I think I am able to keep a tight hold on my collecting and only buy what fits into my budget instead of "hey lets get that and then pay for it later because we can."
You know people who complain about after Christmas debt. I never have that. Plan ahead and live within your means. Collect within your means as well otherwise you will end up selling pieces you really care about to pay for crap like credit card bills etc. or other pieces you want.
Be mindful of what you want and how you go about getting it.