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I Have Too Much Credit Card Debt

Personal Stories, Advice, and Support 53 People

    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    I we pay them too much money.
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    I just finished reading a book. In under 24 hours may I add. I feel as if whenever I read so quickly, I get way too emotionally attached to the characters and then the book...
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    If you're in Northern New Jersey and have a high degree of empathy, join my meetup group. Http://meetup.com/NNJ-Empathy-Meetup/ We already have over 40 members. Our next Meetup...
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    In the last recession I almost lost everything. I had to start again in a completely new business. It's getting better but my mind won't switch off at night. So, I have a small...
    thetkm thetkm 56-60, M 1 Response Apr 30

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    I don't think anyone really can. When you have alot on your mind it just feels like people or like alot of yous are whispering in your ears and you just want to make it all quiet...
    Raptax231 Raptax231 18-21, M May 1

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    all I can do is sit there and think about everything sometimes I have to tell myself to just listen to me breathing and I'll eventually fall asleep
    youngkinyteenmom youngkinyteenmom 18-21, F 1 Response May 4

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    Literally. I haven't slept in days and all I can think about is her. She never leaves my mind. I wish I hadn't left her, I can't stop worrying. I mean she has tons of friends. She...
    wtfJason wtfJason 16-17, M 4 Responses May 7

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    So I get called by the insurance company today.. I have been off of work due to a recent hospital stay. They of course, tell me I don't meet the requirement for short-term...
    unreciprocated unreciprocated 36-40, F May 15

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    48 hours and counting of no sleep. I just can't stop trying to sort out my whole stupid hellish life. I constantly am trying to figure out exactly what I want and why. I have...
    stewartgreen stewartgreen 18-21, M 1 Response a week ago

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    I can't go to sleep because I'm awake thinking about all the wrongs I've done throughout my life. On top of that, I have to wake up for school in 2 hours...
    TheNumberEleven TheNumberEleven 16-17, M 2 Responses 3 days ago

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    My mind won't shut up grrrrrr
    purpleturtle5 purpleturtle5 36-40, F Apr 29

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    I'm wide awake thinking about having to go retake my driving test for the third time I almost got it Monday but a guy gave me a fender bender so it was an automatic fail I really...
    waterfalls542 waterfalls542 26-30, F 1 Response Apr 30

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    I've been up since 2am and it is 6 already just thinking about the day I give birth to my baby girl and planning on not having any visitors over ha I feel so evil cause I hate my...
    crazy4love crazy4love 22-25, F 2 Responses Apr 30

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    i usually sleep an average of four to six hours a night, but lately that has decreased to one to three.
    callmenathan callmenathan 18-21, F Apr 30

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    All the time every day of my life
    deleted deleted 26-30 Apr 30

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    As of lately, comparing myself to people is what has been keeping me up.
    leimic leimic 18-21, F 2 Responses Apr 30

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    Like right now. It's 12:40 AM here. Thinking **** making me restless. Learning to breathe n just let go.
    deleted deleted 26-30 2 Responses May 1

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    I wana call someone as i Carnt sleep im to scared
    Lasbutterfly Lasbutterfly 16-17, F 2 Responses May 1

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    I really hate when I can't sleep at night. It's be nice to feel at ease when I lay my head down
    tabbi123 tabbi123 26-30, F 1 Response May 2

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    tossing and turning getting up laying down drinking cold water, and absolutely nothing can make me go back to sleep ??
    crazy4love crazy4love 22-25, F May 7

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    Be up again once again, I'm a Lil scared....
    BrutallyHonest13 BrutallyHonest13 22-25, F 1 Response May 8

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    woke up at 3 am, it is now 4;24 am
    crazy4love crazy4love 22-25, F 2 Responses May 11

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    Same..sighs..people make me anxious.worrying about certain people.Among other things.Sometimes i wonder if it is such a good thing i talk to more people now compared to when i was...
    simpleandpossible simpleandpossible 22-25, F 1 Response May 11

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    Another night of no sleep as my mind goes a million different places. Emotionally exhausted and tired of trying when it all seems like a waste of time :(
    ajb234 ajb234 41-45, M 3 Responses May 12

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    I don't ever want a credit card. I don't ever want a bank account because banks take out your money. You can have $700 in a account. You don't remove money out the account yet. You...
    lorrena19 lorrena19 18-21, F 2 Responses May 14

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    I get let down a lot. Very easily too. People get my hopes up. They talk so much **** but... They don't walk the walk. Actions speak louder than words. I live by that. It's like my...
    Halestone Halestone 22-25, F a week ago

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    I dislike when I think too much. Which is always. I start to think about my life. Of could or should have been and what is good about it now. But it isn't just my voice I hear when...
    jrf9782 jrf9782 31-35, F 1 Response 3 days ago

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    I use to barely sleep. I had severe insomnia. Id sleep 3hrs at most. Lately I sleep too much. Now im sleeping 12 to 13hrs. Its broken up cause Im woken up. But still its too much...
    PhoenixRising83 PhoenixRising83 31-35, F 2 Responses