Post
Experience Project iOS Android Apps | Download EP for your Mobile Device

I Have Too Much Credit Card Debt

Personal Stories, Advice, and Support 52 People

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    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

    Your Response

    Cancel

    Related Experiences

    I'm not feeling like myself and can't sleep. Too much going on and need counsel.... I dunno what to do with my life right now. I hate feeling lost.
    Hunnylovie Hunnylovie 22-25, F 1 Response Mar 7

    Your Response

    Cancel
    Like right now....too much stuff bouncing around inside my head tonight.
    ILnativeNOWinAZ ILnativeNOWinAZ 41-45, M 4 Responses 3 days ago

    Your Response

    Cancel
    5:32 here staying at a hotel, can't sleep a wink. I didn't know I was going to wake up yesterday and my life flipped upside-down. Tomorrow I'll be homeless, again. Sometimes I...
    NighthawkBM NighthawkBM 22-25, M 12 hrs ago

    Your Response

    Cancel
    A lot of things have happened lately I'm failing school I lost one of my best friends in fact I've lost lots of my friends I've been very depressed and suicidal lately more than...
    CookieMonsta16 CookieMonsta16 18-21, F 1 Response Mar 4

    Your Response

    Cancel
    Dear mind, please stop thinking so much at night, I need to sleep. -_-
    mindstruggle mindstruggle 22-25, F 3 Responses Mar 8

    Your Response

    Cancel
    My mind wont stop thinking HELP! What can I do?Hey is been two weeks Im doing my best of working on my bio system. I watch my soap at 8pm that takes 30 to 40min. then I go under...
    Bluerosered Bluerosered 26-30, F 1 Response Mar 4

    Your Response

    Cancel
    this is one of those nights. i just can't deal with the ****** people that have inundated my life. when I'm stressed sleep isn't easy.
    CallmeHopelessNotRomantic CallmeHopelessNotRomantic 36-40, F Mar 5

    Your Response

    Cancel
    Why do you keep running through my mind? I can't stop thinking about you! I want to touch you and feel you. I want to make you go there and back again. I can't sleep! I can't sleep...
    SexyBoss70 SexyBoss70 41-45, F 3 Responses Mar 4

    Your Response

    Cancel
    7.20am I look like a zombie tf
    Bluerosered Bluerosered 26-30, F 1 Response Mar 5

    Your Response

    Cancel
    then write it all down. it creates distance from your thoughts.
    limitles limitles 18-21, M Mar 5

    Your Response

    Cancel
    It really really bites deep. First life. Then meds. Then heart attacks. Then more baggage. BUT. BUT I AM BLESSED. OR LUCKY. BECAUSE HELPING OTHERS WON PALS...
    convertihd convertihd 46-50, M Mar 12

    Your Response

    Cancel
    its just one of those days :/ ... just gonna be a long night of me, and my over analyzing mind.
    Comeflywithme23 Comeflywithme23 18-21, F Mar 15

    Your Response

    Cancel
    I get restless and my mind just rushes around keeping me up for hours on end. I can only get to sleep when I get so tired I pass out
    ScarM3 ScarM3 16-17, F 3 Responses Mar 15

    Your Response

    Cancel
    That's me. Now...i can't stop thinking about this fooooood.
    Juri0902 Juri0902 31-35, F Mar 20

    Your Response

    Cancel
    When stressed. Or oppressed.
    convertihd convertihd 46-50, M Mar 22

    Your Response

    Cancel
    My body sleeps, but my mind roams. Sometimes I fill as if I'm drowning. So I search for your hand to rescue me, before the water becomes to deep, and my screams turn into gurgles...
    Bryona Bryona 18-21, F a week ago

    Your Response

    Cancel
    tonight is one of those nights. i just can't stop remembering things i don't want to remember anymore. i hate nights like this. i just wish things were right like they used to...
    CallmeHopelessNotRomantic CallmeHopelessNotRomantic 36-40, F 6 days ago

    Your Response

    Cancel
    I'm gonna be in trouble tomorrow because I never did my science French or English.You see science is 3 long questions and English is two pages and french is 3 pages so yeah and it...
    BulliedGirl15 BulliedGirl15 13-15, F 3 Responses 6 days ago

    Your Response

    Cancel
    anyone skype? i struggle to spend night everyday.. my insomnia is horiible.. if i can talk to people bit..that helps me...anyone availble talk on skype now? PM me
    Juri0902 Juri0902 31-35, F 1 Response 4 days ago

    Your Response

    Cancel
    Why is the Weather so terrible outside? England, you're sh*t. Can't sleep either, so tired but can't keep my eyes closed. So I'm just thinking... And thinking...
    WeCouldBeDead WeCouldBeDead 16-17, F 1 Response 1 day ago

    Your Response

    Cancel
    It is now 3:40 am and I am laying here unable to sleep because my brain won't switch off all because of one little comment made to me by someone so very precious to me :-(
    Sirwithherkey Sirwithherkey 36-40, M 5 Responses 23 hrs ago

    Your Response

    Cancel
    I swear between homework and school and the countless chores I do I get so stressed out. I am not going to sit here and complain for I am thankful for many things I have in my life...
    chasetheweirdo8 chasetheweirdo8 13-15, M 4 Responses Mar 9

    Your Response

    Cancel
    I do. Just about everyday and actually, if I can go a few days without crying, I feel like I've accomplished something. But usually after a few days of dry eyes, I break down and...
    Jennifer337 Jennifer337 31-35, T 3 Responses Mar 20

    Your Response

    Cancel
    I always feel as though I'm a really, really odd person. I have a really strong sense of what is right and what is wrong; not in the bad sense of stubbornness, but in the sense of...
    LittleMissSweetness14 LittleMissSweetness14 18-21, F 4 Responses Mar 9

    Your Response

    Cancel
    I'm thinking too much right now...got my heart on a string dangling in mid air with the blender on...one false step and down she goes...I'm just thinking about my sis...and what...
    EternalViolet EternalViolet 26-30, F 1 Response 16 hrs ago

    Your Response

    Cancel
    Whilst doing the school run I met a lovely old lady named Barbara. She was such a sweet person who had a warm smile and little dog that she walked daily. Now my family and...
    lozzenbee lozzenbee 22-25, F 1 Response Mar 16

    Your Response

    Cancel
    i watch hentai too much maybe every 2 days its my guilty pleasure
    gamevirus gamevirus 18-21, M Mar 4

    Your Response

    Cancel
    i see her face all over his facebook my body says dont worry but my mind thinks then over thinks. now im a jealous angry to the point i just want to... but its my fault for not...
    NomadxAngelx117 NomadxAngelx117 18-21, M 4 Responses Mar 6

    Your Response

    Cancel
    I think too much about reincarnation and death. " Who am i reincarnated from ? " " What was my name ? " " Was i a girl or a boy ? " " Did i die killed, accident or normal...
    annaambrose annaambrose 16-17 2 Responses Mar 7

    Your Response

    Cancel
    I've waited for her almost 2 hours, it was raining but still waiting and she never showed up and never told me a thing. the next day our presentation failed and she blamed me. I...
    Ikimoem0 Ikimoem0 18-21, F 8 Responses Mar 10