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I Have Too Much Credit Card Debt

Personal Stories, Advice, and Support 50 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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    Related Experiences

    Can't Sleep When I Have Too Much On My Mind
    michigan11 michigan11 22-25, M 2 Responses 4 hrs ago

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    I went into work early this morning because I never went to sleep last night. I was sick of laying there....and being busy is what I do best these days. Now I'm exhausted and...
    Triscuitan Triscuitan 26-30, M 1 Response Jul 9

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    Nearly 1:00 in the morning. Too much going through my mind. Grieving and lonely. Tomorrow will be brighter. Tomorrow will be better. If only tomorrow would come.
    handledwell handledwell 31-35, F 5 Responses Jul 20

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    Sleep eludes me every night.. Not good for someone with seizures sadly this is my life. Too much on my mind is an understatement... I'm glad some people on here are night owls...
    Beanbella Beanbella 31-35, F 3 Responses 5 days ago

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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 1 Response 1 day ago

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    Like today i do t know why i have so much on my mind that i cant sleep even though i am tired i cant
    desirejanice desirejanice 22-25, F 2 Responses Jul 22

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    God...I'm so tired but can't fall back asleep! I have so much on my mind. I wish I had money, it would solve so many problems! Everyone thinks I'm a money tree and keeps asking...
    lostandlonelyone lostandlonelyone 36-40, F 2 Responses 6 days ago

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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...
    Gottamakeitbig Gottamakeitbig 31-35, M 1 Response 2 days ago

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    All the damn time even last night these last few days have been a battle just to fall asleep and wake up on time like ****
    jadetumbler jadetumbler 16-17, F 1 Response Jul 14

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    I've never been able to sleep properly. Even if I go to bed early I always end up thinking and thinking. It's my fav pastime so I cannot do anything but analyzing my day and repeat...
    yetanotherhuman yetanotherhuman 26-30, M 5 days ago

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    It's 2:21 and as usual, I'm awake. Worried and stressing... Thinking and debating....
    shayex3 shayex3 26-30, F 2 Responses Jul 3

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    I really need to sleep. But I feel like writing so many emotions right now. My mind is tingly with ideas. I am having trouble settling my problems I get OCD when it comes to...
    Wewerethereinthattime Wewerethereinthattime 18-21, F Jul 7

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    Here's the result of pride, my friends... this song infuriates me... https://www.youtube.com/watch?v=1qr5t9mi39E
    AlwaysPersevere71 AlwaysPersevere71 41-45, M Jul 8

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    Exactly as this heading says.......... It's 1.03 am and I am wide awake!
    FluffMcCluskey FluffMcCluskey 46-50, F 3 Responses Jul 11

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    I really need someone to talk to if there's anybody willing to talk please message me i feel like I'm at the end of my rope
    soulalchemist28 soulalchemist28 22-25, M 2 Responses Jul 13

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    Its like having a thousand voices scream in your ear and how can you possibly sleep with that😒... This is like 6 out of 7 days of the week so i guess you can call me the walking...
    verox3 verox3 16-17, F 2 Responses Jul 13

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    things don't always turn out the way you want them to. And sometimes it's really hard to accept and move on. As I slowly grasp the concept, losing sleep is I guess part of my...
    shellseverywhere shellseverywhere 18-21, F 1 Response Jul 20

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    Anxiety attacks really suck.
    jaymarkus jaymarkus 26-30, M 2 Responses Jul 20

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    Sundays are the worst for this I swear!
    livemanlive livemanlive 26-30, M 1 Response Jul 20

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    Thinking and trying to resolve things but why now? 1-6.30 am all I want to do is sleep and forget about it for an uninterrupted 8 hours or so..
    yewus yewus 22-25, F Jul 21

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    Sometimes it's not because I can't sleep, but because I don't want to because I'm so absorbed in my own thoughts...
    RedHotCrazyPerson RedHotCrazyPerson 22-25, F Jul 21

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    I'm so saaadddddd oh god .
    jejeal jejeal 18-21, F 4 Responses Jul 22

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    Uncertainty... Why me? Is this really happening? This really sucks
    vtec213 vtec213 13-15, M 6 days ago

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    some one hmu? I'm wide awake lol
    ipiceno ipiceno 18-21, M 1 day ago

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    I currently have 3 store credit cards so I could start building my credit. After using the cards, I pay off the whole balance so I don't have to worry about the interest rates. I...
    TheQuietOne92 TheQuietOne92 18-21, F Jul 15

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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 8 hrs ago

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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...
    TeethTheSizeOfPianoKeys TeethTheSizeOfPianoKeys 18-21, M 1 Response 5 hrs ago

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    I need way too much sleep. I can't wake up in the morning because I don't want to. Other nights I can't stop thinking long enough to sleep...
    gingerbetch gingerbetch 22-25, F Jul 2

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    I hate how im overly protective, and overly jealous. I get too attached and i end up ******* things up. I loved too much and now i know they felt like i was taking their life away...
    LoveeIsLife LoveeIsLife 13-15, F 1 Response Jul 5

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    It kind of varies. I care about everything, and then all of a sudden you can throw anything at me and I won't react much as if it takes too much effort. I probably do care at one...
    Katami Katami 16-17, F 1 Response Jul 6

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    I'm too quiet in person, but get the feeling I message others too much on line. I'm sorry and it would help if someone talked to me first or managed a good way to tell me I'm...
    DarkwingGoslyn DarkwingGoslyn 31-35 Jul 10

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    This is when I get hurt, I am a very emotional person with a lot of feelings! I can get attached to someone very quickly! Sometimes I realise but other times i dont until i get...
    MilweePetite MilweePetite 18-21, F 1 Response Jul 11

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    So the past few years, I've pretty much cleaned up my act. I've basically halted recreational drug use and do immense amounts of work. My goal is get into a PhD program and get...
    tigreemodela tigreemodela 18-21, M 1 Response Jul 13

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    I feel like I do so much for everybody.. And they don't even notice. I always end up getting hurt in the end but that never stops me from helping them still.. Sometimes I just wish...
    bebe805 bebe805 18-21, F 4 Responses Jul 15

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    there is good in all of us ,i think i simply love too much , so much in fact that it makes me feel too ******* sad
    Nichalas Nichalas 22-25, M Jul 16

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