A single mum who had racked up £15k of credit card debt by aged 22 has revealed the steps she took to pay it off in less than two years.br br Alex Wren, 25, got her first credit card aged 19 - in a hope it would help her build up her credit score, to help get a mortgage in the future.br br But before she knew it she was developing bad habits and using most of her up to £3,000 limit to go on birthday and Christmas trips.br br By aged 22 she had racked up £15k in debt.