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I Have Too Much Credit Card Debt

Personal Stories, Advice, and Support 50 People

    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    I can't sleep. Its one of those nights ware everything I have been thinking about for the past month is coming to me now. Why tonight??
    ilfyst ilfyst 13-15, F Nov 10

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    when I have a bad day. all the negative thoughts come lurking in and won't let me sleep
    oliviatt oliviatt 16-17, F 1 Response 4 days ago

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    Sometimes I wish I could turn my brain off
    Mct7988 Mct7988 26-30, F Nov 1

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    I think the switch needs rewiring or something. It's tough trying to stay asleep. I need a witch, like Sleeping Beauty!
    Skjeggstad Skjeggstad 22-25, F 1 Response Nov 6

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    When I don't see a way out of a situation,or see all the outcomes are bad...I keep thinking and thinking on it like a puzzle to see if I find a way out,a better outcome...and that...
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    I really need to sleep.
    SpanishRose10 SpanishRose10 31-35, F 2 Responses Nov 8

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    But it is soooooooooo nice when you are in my mind at night...
    Brunette4U Brunette4U 31-35, F Nov 10

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    I get on here and look for friends
    ohno25 ohno25 41-45, M 5 days ago

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    Another one of those nights. Sleep is coming in fits and starts. My mind is racing, worrying about someone 3000 miles away. I'm not one to pray, but I keep positive thoughts until...
    WistfulPrincess WistfulPrincess 36-40, F 2 Responses 2 days ago

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    Sundays are the worst. Can't stop tossing and turning
    livemanlive livemanlive 26-30, M 3 Responses 1 day ago

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    That's what happens when I stay in bed too long. I have too much too dream, and that's not good because that pesky being naked in public dream always shows up. I don't like you...
    Calcetines Calcetines 36-40, M Nov 2

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    My boyfriends aunt took his bank card and she won't give it back. He's 17 and the bank cards in his name and everything. Could he go to the bank and say he lost his card and get...
    elliemaii elliemaii 13-15, F 2 Responses Nov 17

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    I still have a lot to learn and explore about EP right now, so pardon me if this particular experience isn't what the site is about. I stumbled across the internet for about an...
    Kiddinq Kiddinq 18-21, F Nov 6

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    Idk about about most people, but I care too much and I so over think. I can't help it. I can see how it can be a good thing and I can see it being super bad. I've been in bed late...
    faithdm92 faithdm92 22-25, F 2 Responses Nov 1

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    I think way to much...I worry too much, everything is too much I need a break a little bit Where ever I go a problem has to come up I need to rest for a while:(
    piercethesummer piercethesummer 22-25, F 4 Responses Nov 5

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    As a 13 year old, I have worries. Obviously, this is very ordinary, everybody has worries about something or other, but my worrying is getting out of control. I worry too much...
    JoshuaRants JoshuaRants 13-15, M 1 Response Nov 9

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    doing so right now thinking too much about a woman i care too much for. Someone that didn't even have the decency to say goodbye rather than just leaving. I don't expect every...
    animallover412 animallover412 31-35, F 3 Responses Nov 15

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    There's too much for me to say. I wish i had delt with it earlier in my life, but its too late. I didn't say anything to anyone before because i just wanted to make them happy, but...
    TheKidInTheCorner TheKidInTheCorner 13-15, M Oct 25

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    My biggest weakness is i care too much about everyone....my friends my family my bf... no matter how they treat me no matter how much pain they give...i still care and i still love...
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    I've known too many people give too much away about who they are and what they think. People, rightly or wrongly, formulate easily held opinions on you when you do that. So I try...
    picklebobble picklebobble 46-50, M Oct 30

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    i believe if people knows too much about ur life then they might take an advantage of it and we might suffer later in life for being too open to someone who are not family..
    joethangbali joethangbali 18-21, M 1 Response Oct 31

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    This happens too much for me, I would have never though that you could care too much for someone
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    Trust too easily. Gullible if not phobic. Care too much. Heart attacks on seroquel grew things. Conscience bull horn. Phobias. Anxiety. Panic. Accents...
    OddlyScintilating OddlyScintilating 46-50, M Nov 12

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    I am very open about my sexuality and my alternate lifestyle up front when meeting a potential mate. I have been told that I leave no mystery and I am too open. I think me being...
    spoiltbrat80 spoiltbrat80 31-35, F 1 Response Nov 15

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    Generator. Tools. Lovers. Mechanic for free. Parts for free. Address. Gasoline. An extra generator. More toys. Buckets. Wait thats a toy. Shovels...
    OddlyScintilating OddlyScintilating 46-50, M a week ago

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    I love my boyfriend, but sometimes I feel like I'm doing this because I don't want to be alone. I care for him when he's sick. I appreciate the little things he does and the big...
    tinywoman tinywoman 18-21, F 1 Response 1 day ago