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I Have Too Much Credit Card Debt

Personal Stories, Advice, and Support 50 People

    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    Related Experiences

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    I was just a kid when 2 live crew was telling them girls to do what they do... I was only 12 when I held my first sawed off... tucked in my jacket to prove I wun't soft... Said I...
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    I only had between 4ish to 6ish hours of sleep.... It nearly took me forever to just fall asleep. Now I'm up early and my friends are still sleeping.
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    One of those nights....So many thoughts that the minutes seem like hours and it's still too early to sleep.
    AirleasAyres AirleasAyres 31-35, F 3 Responses Nov 26

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    latlely I have been having troubles sleeping or staying asleep. no matter how tired I am I just can't do it. I have been having family troubles since my aunt past away Feb 14, 2...
    MarineGirlfriendMary MarineGirlfriendMary 18-21, F 2 Responses Nov 29

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    So I'm just up thinking and writing away everything I'm feeling. I'm gonna have to get up and a few hours because I'm going to the mountains. I can't wait.
    Itsnotareligion Itsnotareligion 22-25, F 2 Responses Nov 28

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    Sundays are the worst. Can't stop tossing and turning
    livemanlive livemanlive 26-30, M 2 Responses Nov 23

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    Doctors say its stress, anxiety bla bla bla... I really do tend to over think everything especially at night when am in bed trying to sleep. Every day I spend at least about 2-3...
    MK25 MK25 22-25, M Nov 29

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    no i cant sleep /.- great
    RageGod RageGod 16-17, M Dec 5

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    today I'm tired af, its only 5:41 pm on s Friday night and I'm dog tired ... anyone wanna talk to me tonight?
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    I went to an AA meeting just noe.. it was pretty great.. I feel so corny saying I like them but I really do. This one guy from Mexico went up to talk, he had all this tattoos not...
    heysmellthis heysmellthis 26-30, M Dec 7

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    I pray to god to take away this emotional pain. It hurts.
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    Nixed Nixed 31-35, M Dec 12

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    Been thinking a lot about my life. Why couldn't it have been better? Why am I here? Where will I end up? Why did I get the family I got? Will I be successful? Where is my help...
    SheIsHealing SheIsHealing 18-21, F 2 Responses 8 hrs ago

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    Hatred - I feel like I have so much hatred in me. Here am I back on this app about a year later, looking over my questions I asked about stuff I've written about physical and inner...
    hihijo342 hihijo342 18-21, F 15 hrs ago

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    I always worry and I don't like embarrassing myself. People see me as a shy person in school. I don't have that much friends. Even if I want to be confident, I cant. I've tried...
    annapg annapg 13-15, F 4 Responses 12 hrs ago

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    I don't know anymore. I find that there's always so much going on with me that I seem to neglect, all because I care more about others well-being than my own. "Are you okay?" seems...
    alexis3000 alexis3000 18-21, F Dec 11

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    I love my boyfriend, but sometimes I feel like I'm doing this because I don't want to be alone. I care for him when he's sick. I appreciate the little things he does and the big...
    tinywoman tinywoman 18-21, F 1 Response Nov 23

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    I feel like the human mind is both a beautiful blessing and a chaotic curse. I believe it can be the most dangerous thing in the world. That's why solitary confinement is such a...
    lphan lphan 22-25, F 9 Responses Nov 30

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    I worry too much and too easy. Yet, I always tell my friends and other people here that worries are a waste of energy. I *am* aware though it's a waste of energy, but still... The...
    AngelicLights AngelicLights 26-30, F Dec 3

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    Particularly people who think a "proper" adoption cost should be $50 at maximum. Wtf? To a drug dealer, or a better-off animal fighting person, that amount is like shopping at...
    DarkFireMoon DarkFireMoon 18-21, F Dec 3

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    I spend far, far too much time on EP. A lot of the time I'm not actually doing anything here, just refreshing the page in between youtube videos. :p I was going to take a break...
    Friability Friability 18-21 Dec 4

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    Every time when I'm in school, I get too many headaches when my teachers give me some hard question that I can't figure. Don't get me wrong, I'm a straight A student, but sometimes...
    gorgeusgirlSky3 gorgeusgirlSky3 13-15 1 Response Dec 13

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    My boyfriend is 57 years old, and I'm 35. I'm worried about missing out on life experiences because he's been there done that already. I also know I have no idea what the future...
    phoebe1163 phoebe1163 31-35, F 3 Responses a week ago

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    I think too much....To that extent that I make myself depressed nd start crying...its the stories in my head that has made me sad...because reality didn't turn out that way( not...
    SecondChancesDoHappen SecondChancesDoHappen 18-21 Nov 22

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    I keep telling myself to stop caring anymore but still, every time someone says something that might be offensive about me, or someone tells me that I've been talked and gossiped...
    The1996 The1996 18-21, F 2 Responses Nov 22

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    I've never brought into the 'I don't care what people think of me', more often than not, I smell bullshit when people say it. There's nothing wrong with caring about it, just not...
    Reallifeperson Reallifeperson 22-25, M 1 Response Nov 23

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    According to the CDC 5+ drinks in one night is too much. 15 drinks a week is heavy drinking. By that definition I have been an alcoholic for a very long time.
    usmcdonkey usmcdonkey 26-30, M Dec 3

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    I just got told I over analyze things by my step dad, my friends used to tell me not to think about it too much...
    dksl14 dksl14 18-21, M Dec 4

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    I think i think too much !
    Asemeto Asemeto 22-25, M 2 Responses Dec 5

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    I think too much. I always worry about things I shouldn't. I never stop and think "why is this my problem again?". I over-analyze and over-think everything. When I make a decision...
    curiousitykills57 curiousitykills57 18-21, F 8 Responses Dec 5

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    I've always been someone who overthinks, since childhood. I wonder about the 'what ifs' way too much and things consume my mind. The worst bit - they are very rarely positive and...
    IBleedBlue IBleedBlue 18-21, F 4 Responses Dec 6