If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


Cheap February Cruise to the Bahamas – Not So Fast

Our credit counseling advice is to always be careful about good “deals.” Last night I almost bought a cruise package for next weekend. I get frequent flier email offers from many airlines, and an intriguing one popped into my inbox the other day.

Our credit counseling advice is to look further than the flashy headline.

Our credit counseling advice is to look further than the flashy headline.

After clicking the link it showed numerous cruise options, different lines, number of nights and prices. A 3 night cruise to the Bahamas could cost as little as $169. What!!! I clicked around and looked at the rooms. The room with the portal windows was so cute, and the same price as a normal interior room. Read about the on-ship restaurants, spa treatments… I’ve never been on a cruise and it sounds very relaxing.  But the further I went, the more I realized what was happening.

I was emotionally hooked.


(Here is the email in question)

I’d also spent about 30 minutes clicking through all these links and reading about the cruises. Imagining myself sunbathing on the deck and watching the ocean out of my room’s window. Including plane fare to Miami (where the ship leaves dock) I figured it would cost about $530 total.

I clicked through to the purchase page, credit card ready, now late at night when I was tired and my guard was down.

I blinked… $139 in taxes. Another $159 I didn’t know where it came from. Total cruise price $450. Then I’d still have to buy the plane ticket down to Miami. Because of the short notice it would cost $360.

Suddenly my $169 cruise would cost a total of $810. Yikers! This went over budget very quickly.

Whoa- what just happened?

Why do Airlines and travel companies provide incentives such as frequent flier miles? For one,  it gets people to pay attention when they otherwise wouldn’t.

If I didn’t see “up to 35,000 frequent flier miles” I would have deleted that email immediately. But, I paid attention instead. Then they crafted their message so I became emotionally involved. Since purchasing items, especially non-essentials, is typically an emotional decision this type of marketing can be very very effective. It metamorphisizes a want into a need. I need a vacation. I need to get out of New England’s wet winter weather. I need this for my happiness.

Once I’ve become fixated on this decision, they slip in the real price. And the fact that I would only earn 350 frequent flier miles from booking the cruise. It’s just a small skip and jump to rationalizing why $810 is not unreasonable. Maybe at that point I decide to do a 7 night cruise since I’m spending so much already. Plus I can just pay it off over time with my credit card right?

The Take Away: Awareness

Being aware of how companies are trying to sell us things, and influence our decision making is essential. By understanding a marketing tactic like this email, we can keep its emotional influence in check.

A cruise is not good or bad. But, if we decide to go on a cruise, it should be because we already wanted to and planned to. Not because Norwegian Cruise lines pays a lot of money to twist our emotions.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/cheap-february-cruise-to-the-bahamas-not-so-fast
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=cheap-february-cruise-to-the-bahamas-not-so-fast
Loaded Template: single.php