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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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    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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    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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    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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    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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    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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    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 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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    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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    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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    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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    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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    My therapist definitely has too much power over me..I can't even bring myself to leave even though I probably should
    StoneWall77 StoneWall77 36-40, F Jul 30

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    All my life people give me credit for things I'm doing when I feel I could've done so much more. Can get rid of this feeling...
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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 4 Responses 21 hrs ago

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    All the negative thoughts appear. What people may think of me. Do they like me? Do they hate me? Do they think I'm pathetic? Do they think I'm a loser? Do they think I'm a weirdo...
    Skywalker1979 Skywalker1979 31-35, M 1 Response Aug 9

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    I keep waking up every hour (which sucks so freaking damn much) and school just started, making it all the more suckier. One thing goes out of my mind, another thought decides "OH...
    HollowDreamer HollowDreamer 13-15, F 2 Responses Aug 13

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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 1 Response 5 hrs ago

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    Am I going crazy :P ?? Sometimes I feel like crying ... for other people.. :o. Like I was in a normal mood, until I got around, a certain family member . My favorite, always makes...
    AEHeroine AEHeroine 18-21, F 2 Responses Aug 14

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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 13 Responses 21 hrs ago

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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 1 Response 5 hrs ago

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    some one hmu? I'm wide awake lol
    ipiceno ipiceno 18-21, M Jul 31

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    I rarely get a lot of sleep now, because I usually can't stop thinking of people, or things.
    youtubeninja youtubeninja 18-21, F 2 Responses Aug 4

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    The worst part is i dont until bed. Or offline. My situation bit. Brains cause analysis. Analyzing society causes sadness. If we remain humane. Or want to. My...
    Livyn4pals Livyn4pals 46-50, M Aug 4

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    "A ruffled mind makes a restless pillow." - Charlotte Bronte
    evhutton evhutton 36-40, F 2 Responses Aug 8

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    When words fail to express my feelings, tears flow........
    SeeRainbow SeeRainbow 26-30, F Aug 13

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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
    rruser27 rruser27 13-15, M 2 days ago

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    It's fine. I find the occasional all-nighter therapeutic.
    WelcomeToEP WelcomeToEP 22-25 2 days ago

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    Ditto. Post post post. Empty crap here.
    Livyn4pals Livyn4pals 46-50, M 1 day ago

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    Having one of those moments now
    seeminglypossible seeminglypossible 22-25, F 1 Response 1 day ago

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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 1 day ago

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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 6 hrs ago

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    I have decided to pay off my credit card debt which is $902 at the moment and never go in debt again. today I paid $500 towards my debt. or at-least I would cut 95% credit card...
    cancerian24 cancerian24 22-25, M Aug 4

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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 13 hrs ago

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    I am new to this because i never really talked it to anyone, except for one person. They recommended this website to me and I thought "why not give this a try?" Okay, so I care...
    JadeB410 JadeB410 18-21, F Aug 12

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    Trying to correct it, because thinking too much is often an excuse for acting too little.
    Danceofhours Danceofhours 36-40, M 2 Responses Jul 30

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    Should I be up... like right now... I can't sleep... same as last night, it seems to be commonplace for me to think too much at night. The thinking keeps me awake too. Night...
    DarkwingGoslyn DarkwingGoslyn 31-35 1 Response Jul 31

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    Often, I will want to just spill the beans about myself. Something about "purging," I guess. Sometimes, it is good. Many times, it is not. So, the question is: "How much is too...
    hillcountrydeb hillcountrydeb 61-65, F Aug 1

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    I am constantly worried about something alllll the time. I even worry about people too. It's either ridiculous or a good thing, but I don't know, I think it's a bit too much. I'd...
    NegativePulse NegativePulse 18-21, M 1 Response Aug 1

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    In High School, some girls and boys did not want to hang out with me because they thought I was a bitchy girl that would discriminate others. The girls were always criticising me...
    EarlPhantomhive EarlPhantomhive 18-21, F 1 Response Aug 4

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    Care too little, you'll lose them. Care too much, you'll get hurt.
    Manzzle Manzzle 18-21, M 5 Responses Aug 9

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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 a week ago

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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 5 days ago

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