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I Have Too Much Credit Card Debt

Personal Stories, Advice, and Support 60 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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    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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    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 66-70, M 2 Responses May 21, 2010

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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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    I suppose I could sit here

    and whine and make excuses for all my bad behavior... all the mistakes I have made in my life... but I would only be preaching to the choir. Make no mistake... these are all self induced problems! Sure... a few things can be attributed to others but I am an adult. Just like...
    orewinelover orewinelover 26-30, F a week ago

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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 66-70, M 5 Responses Feb 13, 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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    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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    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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    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 2 Responses Jul 5, 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 66-70, 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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    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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    Way too much that sometimes i get confused if something really happened in real life or it's just something that i fantasized or imagined. I guess it's also the reason why i get...
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    I think it's not normal... Whenever I have a problem with someone, instead of talking to him/her for solving the problem, I keep arguing in my own head... Even after talking to the...
    Mikala88 Mikala88 26-30, M 2 Responses Jul 24

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    I live in my head WAY too much. I haven't really gotten much sleep over the past 2 months because my mind won't let me relax. My mind just keeps racing all my stressful thoughts so...
    KeepItSimple98 KeepItSimple98 26-30, F 3 Responses Jul 23

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    After much consideration based on the people I've met recently I guess that I really do expect too much. Honesty, openness, acceptance, trust, communication, mutual understanding...
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    Is it bad that I care too much about people who are in my life, or have been in my life?
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    You know you work too much when you ask for a day off and your boss asks, "are you okay??" 😝
    Recklessdesires Recklessdesires 31-35, F 6 Responses Jul 22

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    It's 5am and if only time wasn't so slow or something awesome just happened to me, I might feel a little better. F***!
    JK7448 JK7448 22-25, F Jul 22

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    I think to much when I don't do anything.... so I do as much as I can do so that I don't think much
    OGeee OGeee 22-25, M Jul 21

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    Loser5lyfe Loser5lyfe 22-25, F Jul 20

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    winglessdove winglessdove 13-15, F 1 Response Jul 20

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    I have too many wondering thoughts. I need to start a filing system to organize all of the craziness that flows threw my head. 😳😳😳 yikes
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    That horrid moment when you think you talk too much and then send an essay for a text message. Aaaahhhhh!!!
    Xtinabytch Xtinabytch 26-30, F 2 Responses Jul 18

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    Well I guess I'm just going to use this topic as a venting tool so here it goes why is that it's so dam hard to meet friends and women I have tried difficult avenues to do this and...
    readytofeelwanted readytofeelwanted 41-45, M Jul 18

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    Sometimes even starts making me think about Scenarios thats not even true... And makes me get angry about situations that didnt even happen lol but just because i over think i...
    beautifulego beautifulego 16-17 Jul 18

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    Want to be taken home now. And loved by both genders. But no home. And too picky. And possibly sick.
    Converted Converted 46-50, M 2 Responses Jul 17

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    I really do, and I may be a hypocrite to be saying this, but here it goes... Why do we so willingly agree to be ruled by our devices? What good will they do us in the end...
    Icrossmyheart Icrossmyheart 13-15, F 2 Responses Jul 17

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    You know what the funny part is? My paranoia often makes my fears come true. If I ask if I'm annoying you, evacuate the premises IMMEDIATELY. My fear of annoying you will...
    ladhes ladhes 18-21, M Jul 17

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    I'd rather have someone teach me why something went wrong and then get it right next time instead of already understanding why it went wrong but can't do anything about it because...
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