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I Have Too Much Credit Card Debt

Personal Stories, Advice, and Support 51 People

    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    great! it's 4.42AM and I can't sleep! I'm going to miss morning classes again! and then cry about it later :/
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    5:50 AM!! Mr Sleep..I'm waiting for u :/
    angelcares angelcares 22-25, F 1 Response 3 hrs ago

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    I'm bored.. its 1:50 am and I can't sleep !! any suggestions ????
    Rwnn Rwnn 13-15, F 2 Responses Dec 26, 2014

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    So had a lunch with a friend, I was in a girly mood. I wore 12 cm heels for 6 hrs, ended had my left foot's skin ripped. I can't sleep or even walk now :(
    rockettothemoon08 rockettothemoon08 18-21, F 2 Responses Dec 27, 2014

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    Who's uppp??? AM PM me peeps cx
    WaldoUnfindable WaldoUnfindable 16-17, M 1 Response Dec 28, 2014

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    Don't know why but here I am, not feeling sleepy and at my pc at 2.25 a.m....not an usual thing for me...hope to get some sleep soon...
    Brunette4U Brunette4U 31-35, F 4 Responses Dec 28, 2014

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    Dyman Associates Insurance Group: Viktige Forsikring Reformer I hjertet av siste granskingsrapporten finansielle systemet det er denne urolig, men nødvendig Hjem sannheten for...
    kirztieyee kirztieyee 22-25, F Dec 29, 2014

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    Drinking wine,all asleep,earphones plugged,gazing the night,trying to feel the new year,reminiscing 2014,thinking my plans this year.ugh. It sucks. And now I'm here typing this...
    AngelsBroughtMeHere AngelsBroughtMeHere 22-25, F 1 Response Jan 1

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    This is currently my problem, sometimes it's like their are so many thoughts in my head at once that it feels like I am thinking about nothing at all. (Sounds weird I know but it's...
    AlyMarie1 AlyMarie1 13-15, F 1 Response Jan 4

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    My last experience was the worst cuz my boyfriend left the country then a week later he told me and we broke up. My heart melted for weeks. A month after that he died from a...
    bebaprieta3 bebaprieta3 13-15, F 2 Responses Jan 10

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    I just done my studying so tired
    crazylover54 crazylover54 13-15, M a week ago

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    I don't like how your heart wants something but then your mind says something else... And sometimes you listen to your heart but then it doesn't always come true so u stop...
    fragmentsoftheheart fragmentsoftheheart 18-21, F 2 Responses 6 days ago

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    I don't know if that's good or bad because my mind is always working hard producing different questions and learning facts I can't help it I overthink a lot! About everything
    ElissaAcosta ElissaAcosta 16-17, F 3 Responses 6 days ago

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    Mounting irritability- the days are beginning to wear on me.. I doubt the tension will ease, it will only take a major break to relieve. I'm finding faults in every situation...
    Liliumx Liliumx 22-25, F 2 days ago

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    this is my problem right now and pretty much every night.. I have too much on my mind and I can't sleep and it sucks...
    Louder4life Louder4life 18-21, F 3 Responses Jan 2

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    I am sitting in my room, thinking about the job I can't wait to quit, the money I have to pay for bills and car installments and credit card installments and all these things I...
    roryta roryta 26-30, F Jan 13

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    I've found there to be two situations where this applies; the first is when I sit and think, analyse and evaluate situations and then work myself up to the point where I no longer...
    Reapixx Reapixx 22-25, M 6 hrs ago

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    I met this girl in 8th grade and we immediately hit it off and instantly became Best Friends and we were both touchy people but she had and boyfriend and made me a little jealous I...
    Oreoangellips Oreoangellips 18-21, F 1 Response Dec 29, 2014

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    Well as you may know I sleep too much. I still sleep too much maybe not up to 14 hours any more yeah! But still much. So I'm going to try to set a goal to decrease my sleep...
    toniyl toniyl 36-40, F 2 Responses a week ago

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    I drink too much in the winter time. Days are short and very dark in the northwest. So I find myself getting home at 530 settling in and drinking. Come summer time I will be too...
    Lilmisshappymess Lilmisshappymess 26-30, F 1 Response Dec 26, 2014

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    My friend and I went out to eat tonight. I ate way too much. I feel a little sick. I hurt. My belly is hard from eating so much food.
    tRueInSAnItY tRueInSAnItY 16-17, F 1 Response Dec 29, 2014

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    I have the tendency to think too much. It always gets me into trouble. I wind up taking on too many things.
    SKDel SKDel 26-30, F 2 Responses Jan 3

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    I think bout how I use to be and how I am now and I think I liked how I use to be more. But like I like how I am now to, sometimes I feel myself drifting back to my older was or...
    wedgieshurtalot wedgieshurtalot 16-17, F Jan 5

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    I have started thinking too much about my relationship. He is not very romantic or he is not a person who would make feel special..he doesn't even talk to me much but all these...
    kk2326 kk2326 22-25, F 4 Responses Jan 12

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    Putting it bluntly, love sucks. It hurts way too much. It is painful. Beyond anything that a person should ever have to deal with. I was in love once. Even though I was 19, it was...
    ManinNY ManinNY 41-45, M 1 Response Jan 13

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    Or maybe it's not enough. I forget. But is there really such a thing as thinking too much? Is that even possible? Is that anything like "asking too many questions" because I...
    browneyedgurl13 browneyedgurl13 46-50, F 3 days ago

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    I think that life is full of pros and cons with literally every aspect. With that, thinking too much can't be any different. Obviously, it is good to think things through, and do...
    scottishboyo scottishboyo 18-21, F 1 day ago

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    Seriously, there needs to be more open love around this world. There is way too much hate!
    NotSoNamefulNow NotSoNamefulNow 18-21, M 1 Response Dec 26, 2014

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    Damn it. I really do spend way too much time here. I'd been at a point where I was only on EP a few hours a day, now I seem to be here for most of my waking hours. I guess I just...
    Friability Friability 18-21 Dec 26, 2014

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    During the Christmas break yeah I felt like I ate too much :/
    andreaespe andreaespe 18-21, F 1 Response Dec 26, 2014

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    I worry too much, but I try to convince myself that I don't care what people think or the negative things but in reality I do. I overthink and I. Think about it all the time. Why...
    t3rriv t3rriv 16-17, F Dec 28, 2014

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    I spent most of my life changing the way I am to suit others. I get labelled as emo. I will always care too much about what other people think of me. people in my class throw rocks...
    KillingCake KillingCake 13-15, F Dec 29, 2014