The condition of debt-lag may last months or even years after a person's trip is complete, as long as the debt accrued within the travel period is still outstanding.
Jet lag refers to the condition sustained by the body after rapid long-distance travel which requires days of adjustment upon return.
Debt-lag is primarily attributed to spending on credit cards while abroad, including paying for items before travel such as transportation costs and accommodation.
[2] The speed at which a person recovers from debt-lag is largely dependent on the individual's financial situation and any extenuating circumstances met with while travelling.
These include: Knowing these fees and the circumstance in which they are charged can help travellers avoid them[8] and thus lowers the chances of severe debt-lag upon return.
A balance transfer of the debt to a low rate or zero percent credit card can help alleviate the stress of long-term debt-lag.