chat_history: ["i forgot to pay my credit card bill, I'm so disappointed with myself.", "I am sure it'll be ok. Usually if you stay in contact with them and don't blow them off for a long time it will be OK.", "Yeah but i am usually so meticulous about those things.  I hope they don't charge an overdraft fee."]
sys_response: I would call them. They usually give you some credit for that.
situation: i forgot to pay my credit card bill, I'm so disappointed with myself.