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I Have Too Much Credit Card Debt

Personal Stories, Advice, and Support 50 People

    Keep Your Plastic

    years ago i got into debt with the plastic. try as i could to get this bill down it just never seemed to go away. When i lost my job due to a knife attack at work i was left with no income and a pile of debts. I wrote to all my creditors and asked them to stop the interest on my...
    thehippy thehippy 41-45, F 27 Responses Sep 1, 2009

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    I Reduced My Debt From $212,000 To $30,000.

     I am an independent film maker.  In April of 2007 I went into production on a small but warm film with only a $500,000 budget. I had a single investor and it was the culmination of a decade’s work to get the film made.  As we started shooting we went over...
    KG101 KG101 41-45, M 3 Responses Oct 27, 2009

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    Dry Drowning

    I'm a married woman in early '40's 3 kids. Spouse always been good with money, me, not so much. I have a secret I've been keeping from him for years - I'm $9,000 in C/C Debt. I can't bring myself to tell him, he would n't understand cause he's always managed money so well...
    celi1234 celi1234 41-45 1 Response Jul 14, 2011

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    Now You're Way Late

    This is especially for the ignorant judgemental who think, naively, that creditors are NOT predators [clever rhyme, eh?]; This month, March, through NO fault of my own a withdrawal of over $750 I knew was coming and was prepared for, mistakenly was deducted TWICE, leaving me...
    freeed freeed 61-65, M 2 Responses Mar 28, 2010

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    Credit Card Debt

    I have approx. $39,000 in credit card debt.  I pay the minimum.  I know the basics of getting out of debt.  Live below your means - put every extra dollar toward one card.  Snowball.  Cut, Cut, Cut. Get a second job.  But doing all I can - it will probably still take years...
    Bunker42 Bunker42 41-45, F 2 Responses Jan 28, 2011

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    Been There, Done That

    Credit card debt -Not for me,Been there,Done that,Never again,No thanks,Not on your life -I'm not going there again,Now I'm free,Out of debt,Let it stay that way.
    cndrewdrvr8 cndrewdrvr8 46-50, M 1 Response Jul 5, 2011

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    In a Hole Again....but a Deeper One

    My husband and I were CC free when we bought our first home in 2001.  We had been married 3yrs and finally paid off the last of our bad debt and raised our scores (still had student loan debt).  The loos of my job caused us to relocate across the country and that's what...
    freedom1974 freedom1974 31-35 2 Responses Aug 12, 2009

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    It's Drowning Me

    I have more than 5 cards and at first i thought i was in control until i realized that my impulsive shopping habit had drowned me in a pool of debt. Paying the minimum only, it took me way too long to realize that if I don't pay them all off fast, it will never end. A vicious...
    uglynakedguy uglynakedguy 31-35, M 4 Responses Nov 2, 2007

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    Watch Out For Sharks!

    Loan sharks that is. I just heard from an associate after a year that he'd signed up with one of those MANY credit negotiators. I thought he was on track till he told me that in the year since I've seen him he's been dragged into court FOUR TIMES because the company "doesn't...
    freeed freeed 61-65, M 2 Responses May 21, 2010

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    Going Down

    I've got too much credit card debt. But then why else would I have joined this experience?   A few months ago, I got one paid off. Today I just paid off another one. The money I was putting to these two cards are being put onto other cards to get those balances...
    DietIcedTea DietIcedTea 36-40, F May 7, 2009

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    Down to One

    Just have one credit card left....need it GONE Dont see that happening anytime soon though...
    Lexus Lexus 36-40, F Nov 28, 2007

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    How Much Is Enough {interest}??

    I've got and have had for awhile choking credit card debt.   I was wondering if the Banks' CEOs reads Bible. Check Matthew 18:23-35, which it speaks of having been forgiven by a debtor [say the Government], a forgiven slave [banks] refuse to forgive their debtors - us...
    freeed freeed 61-65, M 5 Responses Feb 13, 2010

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    OMFG!!!!!!

    I just checked my credit score. I paid the extra to have the full report from all 3 major companies. OMG my credit score is only 656. That's terrible!!!! :( I should have never opened the cards that I did. I had one for dental work, one for my tires, my capitalone, my bank card...
    Warmthoughtsofyou04 Warmthoughtsofyou04 26-30, F 7 Responses Aug 13, 2008

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    Related Experiences

    People always ask me, why I hardly sleep! Stress, that is the cause. I stress about everything. Can I pay this bill, student loans, keeping the car up todate, etc... I have...
    vbedwell90 vbedwell90 22-25, F Aug 18

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    I think i think too much before i sleep!
    Fatemah97 Fatemah97 16-17, F 1 Response 6 days ago

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    How do I know when best to speak? How do I know when to say what I am feeling or thinking? I have been holding off for a few days now, giving him breathing room. I have just...
    WingsofTime WingsofTime 22-25, F 2 days ago

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    feeling lonely as ****..thinking of past circumstances..of my current problems,just thinking of everything,anxious..i keep wanting to talk to someone i shouldnt..and thinking about...
    seeminglypossible seeminglypossible 22-25, F 3 Responses Aug 29

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    This was me last night. I hate that so much.
    roselani2005 roselani2005 26-30, F 2 Responses Aug 18

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    Alright, more about me besides my fetish. It is almost 4am and I can't sleep. It's not the "I can't turn off my computer therefore I can't sleep," it's "I have been lying in bed...
    Hairaddict67 Hairaddict67 22-25, M 1 Response Aug 18

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    Where I am it's the first week of school. For some reason the week started on a Wednesday but all the same anxiety kept me up all this week. Admittedly last week too. But this week...
    BleedingOrchids BleedingOrchids 13-15, F 2 Responses Aug 29

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    The worst thing for me is knowing that I need to get up early then checking on the time on the clock every hour on the hour. My head is buzzing with lists of things that I need to...
    Anrymci Anrymci 46-50, F Sep 3

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    This was one of those nights. I have not have my usual 6 or 7 hours of sleep in over a week. My thoughts kept me awake. The rest of the week, 2 sick kids made me get up more than 3...
    Blanche08 Blanche08 31-35, F 11 Responses Aug 29

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    Nobody will ever understand no matter how clearly i try and explain. I can explain every detail of giving birth to my dead baby. How cold, dead and lifeless he was. How badly i...
    OverWorkedWoman OverWorkedWoman 18-21, F 3 Responses Aug 29

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    I have these dreams that feel so damn real, and when I wake up, it freaks me out that I am in reality and all that I was imagining was only a fantasy.
    GetYourFreakOn GetYourFreakOn 16-17, F 5 Responses Sep 3

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    I can't sleep and I can't stop thinking! All my thoughts are racing and it's preventing me from falling asleep! I can't do anything about it and I don't understand why I am all of...
    Raptax231 Raptax231 18-21, M 8 Responses 4 days ago

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    I feel alone... truly alone! Some say that they feel alone yet they often have at least a few people to talk to. I have my girlfriend whom I speak to for 1 hours at best, I have...
    YitzchakWinternitz YitzchakWinternitz 16-17, M 1 Response 4 days ago

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    I cant sleep sometimes when I have something on my mind. I think the worse things instead of the best.
    TaysteeHan1 TaysteeHan1 16-17, F 4 days ago

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    Lying here eyes fluttering and hanging on to the way last week played, feeling sad still and desperately wanting to let go... In this moment Heart filling full of how many tears I...
    Xenasdreams Xenasdreams 22-25, F 1 Response 3 days ago

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    Basically the reason i will get next to no sleep this school year :/ i just found out that almost everything you do is presented to everyone :| yeah I'll have some fun weeks...
    SilenceInBlackAndWhite SilenceInBlackAndWhite 13-15, F 3 days ago

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    Silence my loudest cry....
    SeeRainbow SeeRainbow 26-30, F 1 Response Aug 19

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    i cant even finish my ap world note taking rn.. so tired
    romeo27 romeo27 13-15, M Aug 27

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    Ditto. Post post post. Empty crap here.
    Livyn4pals Livyn4pals 46-50, M Aug 28

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    Having one of those moments now
    seeminglypossible seeminglypossible 22-25, F 1 Response Aug 28

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    I am probably going to regret this in the morning but I can't sleep right now. I had such a busy day but my body is still awake. Someone want to chat me up? :)
    KirstenM2002 KirstenM2002 13-15, F 3 Responses Aug 29

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    Well looks like it gunna be another long long lonely night. No sleep for Lee! Can't stop thinking. At this rate Im gunna lose the plot very shortly... Had 15ml zopiclone an still...
    cleef84 cleef84 26-30, M 1 Response Aug 29

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    The worst is when you can't sleep and no one is messaging you
    Unkownplayer36 Unkownplayer36 22-25, M 1 Response 3 days ago

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    I just saw Haley's comet, she waved...
    s0undgarden s0undgarden 16-17, M 3 days ago

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    i have a credit card for few weeks now.i had to get it so that i would receive money for my internships in hospital on it.paycheck isn't very big,but at least-something.i feel...
    Mihael122 Mihael122 18-21, T Sep 9

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    My *** of a bother took my bank card with a lot of money on it and will not give it back
    newerebe newerebe 16-17, F Aug 29

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    Is it really too much to expect so much more from another person? I didn't use to think that expecting a spouse to love you, be there for you, or simply talk to you would be too...
    Lovinu0429 Lovinu0429 36-40, F 1 Response Sep 6

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    The most painful thing is losing yourself in the process of loving someone too much, and forgetting that you are special too. Yes, help others; but help yourself too. If there...
    BeatTheBest BeatTheBest 18-21, M 1 Response Aug 22

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    Drank too much at the weekend and now I feel so depressed. I hate this feeling. I really need to stop drinking so much on a night out. I don't know if I do it because I'm exhausted...
    fullen fullen 22-25, M Aug 25

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    I'm guilty of caring too much about people. They see me as a nice giving person but no one ever stops to give to me in return. Once people get what they want or need from you, they...
    FireQueen10 FireQueen10 22-25, F 5 days ago

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    I drink abit too much for my age but who cares ?! Who cares if one day i drink too much and don't wake up, no one would give a crap. It takes away memories and replace them with...
    georgia2001 georgia2001 13-15, F 1 Response 4 days ago

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    It's an INTJ thing I guess. It's too much to think about right now.
    blackstr8cuckold blackstr8cuckold 41-45, M Aug 18

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    x.x one problem i have, that i notice is that i msg ppl... alot... idk, i guess i just like keeping in touch with ppl, and i like sharing experiences with things x.x. I always ask...
    InfiniteMusic InfiniteMusic 13-15, M Aug 20

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    Self esteem or a sense of worth is a very fragile thing for me. I am not competent to comment on others' feelings on the same matter, but some words (even if spoken in a different...
    pretender2687 pretender2687 26-30, M Aug 20

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    I over think too much about everything .
    billyaldo billyaldo 22-25, M 5 Responses Aug 20

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