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I Have Too Much Credit Card Debt

Personal Stories, Advice, and Support 52 People

    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    Related Experiences

    I have way too much on my plate and I'm not even HUNGRY!! I have so many things to do and NEVER enough time to do it all! On the other hand I have plenty of time to all I need to...
    NamelessWife NamelessWife 41-45, F 1 Response Feb 16

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    I can't sleep a lot of things always on my mind to keep me up.. Haven't had this in a while I kinda got used to actually being able to sleep
    ThatoneinLove ThatoneinLove 16-17, F Feb 22

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    Which is most nights lately
    guideme2truth guideme2truth 26-30, F 2 Responses Feb 7

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    la fatigue. my bones and muscles ache and yell as if to scream the words i dare not say myself. my lips shushes them with pain killers i eat i eat as if to fill the empty spaces...
    UnusualAngel UnusualAngel 18-21, F 3 Responses Feb 10

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    that happen to me last night, i couldn't sleep. but when i did i dreamed that aliens (from aliens vs predator) was chasing me, i tripped and they were on top of me, and one said...
    kkisu474 kkisu474 13-15, M 2 Responses Feb 11

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    Can't sleep at all ... Might as well listen to music and zone out
    yassbishh yassbishh 18-21, F 1 Response Feb 14

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    I hate Valentines Day with a passion. A fiery passion like no other.
    AnarchyOfAthena AnarchyOfAthena 16-17, F 1 Response Feb 14

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    No matter where you go or what you do, you live your entire life within the confines of your head.
    Brunette4U Brunette4U 31-35, F 2 Responses 5 days ago

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    No credit cards. No debit cards. No store cards. And life is good:)
    picklebobble picklebobble 46-50, M 2 Responses Feb 7

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    Been there, done it, smelt it, felt it and I don't want to do it again. So I refuse to have anything to do with credit cards now.
    righthanded righthanded 56-60, M 1 Response Feb 5

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    I think too much to the point where I spiral into despair. I worry I'm not making the most out of my life or I'm not living up to the person I set out to be. It got so bad that I...
    eveylind eveylind 22-25, F 3 Responses a week ago

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    I mean to say I think we're encouraged to think too much. I've thought about it a lot. Too much actually. My parents were pretty strict but fair.I was encouraged to think for...
    Blondiex15 Blondiex15 36-40, F 9 Responses 6 days ago

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    I have been worrying too much since I was a little kid. If my mother comes to pick me up a little bit later I would start to worry if she were killed by someone or killed someone...
    nothingtoliveabout nothingtoliveabout 16-17 Feb 14

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    what if my family stops caring about me all together? what if i never get married? what if suddenly i had no friends at all? what if next year i go to college and i don't do good...
    randomgirl42 randomgirl42 18-21, F 5 Responses 6 days ago

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    I can't make decisions about anything, really. I think this stems from being uncertain about nearly everything. I've noticed having "faux" convictions in place in order to mask my...
    urbanseeker urbanseeker 22-25, M 3 Responses 1 day ago

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    Today I spent six hours doing private messages on EP... and 90 minutes yesterday. (Finally caught up!) And this is with skipping the messages that really don't give me anything...
    igivefreelove igivefreelove 18-21, F 10 hrs ago

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    When little things or people **** me off, I would have so much anger where I would cuss a lot. My family doesn't like it too much, especially my mom. I have many more reasons why...
    Peridot22 Peridot22 22-25, F 1 Response Feb 3

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    everyone tells me I talk too much. I would admit I do. idk why but I like talking. for some reason its fun to me. I am just a talkative person. I like expressing everything that's...
    jenniebaez1992 jenniebaez1992 22-25, F Feb 4

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    My head hurts, Too much thinking :( .. any help or advice?!
    HananAquarius HananAquarius 22-25, F 5 Responses Feb 6

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    I think too much that sometimes i put my self into depression and bad mood swings .. i try to shut off my brain a lot of times, but i fail at it ...
    speeddevil70 speeddevil70 22-25, M Feb 9

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    I ate too much again, i think i'm gonna throw up :s
    itcheru itcheru 22-25, F 1 Response Feb 19

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    My brain is a talking machine at night like wtf is going on up there? I'm like ok today step in bed get a good night sleep and then suddenly I'm hungry and I'm like nope think...
    WTFGOD WTFGOD 13-15, F 7 Responses Feb 21

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    I talk way too much when I'm comfortable with a person. usually I'm trying to hide what is really going on in my brain. that's when i talk about every pointless thing under the...
    RememberingSunday22 RememberingSunday22 36-40, F 1 Response 6 days ago

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    Oh here I feel, when I start chatting to people on here that I start pushing myself on here and on to people, to escape the sometimes lonely world I live in. So if I talk too much...
    stonecold31625 stonecold31625 26-30, M 6 days ago

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    Waaaaaaay too much... SOMEBODY MAKE IT STOP!!
    irreelevance irreelevance 16-17, F 2 Responses 5 days ago

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    I drink way too much wine and need to quit. I can drink a bottle and half 3 times a week. I want to quit. I know I must quit. I almost make it a week without but then I cave...
    Kylor51 Kylor51 51-55, F 1 Response 2 days ago

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    40 Lessons by Holy Prophet (S.A.W.W) ------------------------------ 01. Refrain from sleeping between fajr and Ishraq, Asr and Maghrib, Maghrib and Isha...
    samgha samgha 18-21, M 1 Response 1 day ago

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    Never needed one possibly in the future but all the money I use is cash I hate cards
    Jusjellybean Jusjellybean 18-21, F 3 Responses Feb 7

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    I don't have a bank account. They charge you money. It's crazy you put your money in a bank account then be charge to give them money. You are throw away your own money when your...
    lorrena19 lorrena19 18-21, F 4 Responses Feb 7

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    Have any of you read any money saving books? Not a how to make money book though. If so what book? I want to read one. :)
    ilovepainncma ilovepainncma 22-25, F Feb 7

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    I was 17 years old when I lost my v card. It happened in school. I wish I could take it back. I only lost it because all my friends were having sex back then. I didn't want to...
    lorrena19 lorrena19 18-21, F Feb 2

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    I was reflecting on a suicide video and I couldn't stop staring into space with intense shock and anger in my mind, thinking about the beauty of life and how everyone deserves to...
    GunWarrior GunWarrior 18-21, M Feb 11

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    I worry so much about you. You mean everything to me. I dont know what I'd do without you. I know you're going through a lot right now. But I wish you'd take the time to talk to me...
    21cookielover21 21cookielover21 18-21, F 22 hrs ago

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    I still think about how much I hurt him. If he's actually ok. If he's forgiven me or if he's just blocked it out. I read about what he thinks/thought about me all the time, about...
    TallyO TallyO 16-17, F 1 Response Feb 14