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I Have Too Much Credit Card Debt

Personal Stories, Advice, and Support 53 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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    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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    Related Experiences

    I'm hurting too much inside. I think I'm going to have a breakdown or depression because of just a small thing. I have no friends to talk to about my issues and in keeping too much...
    loveumybabyliam loveumybabyliam 18-21, F 1 Response 3 hrs ago

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    its time for bed. I can't sleep with too much on my mind, but tonight. he has consumed my mind and imagination. I can't wait to sleep and be in his arms. in my dreams. stromg arms...
    shyshewolf shyshewolf 70+, F 1 Response a week ago

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    Pain and fear are a deadly combination. No one wants to say it, but I look like ****. I can't sleep anymore. There's just too much confusion.
    cartermurrows cartermurrows 18-21, F 1 Response 2 days ago

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    I just finished reading a book. In under 24 hours may I add. I feel as if whenever I read so quickly, I get way too emotionally attached to the characters and then the book...
    putathoughtonit putathoughtonit 16-17, F 1 Response 3 days ago

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    In the last recession I almost lost everything. I had to start again in a completely new business. It's getting better but my mind won't switch off at night. So, I have a small...
    thetkm thetkm 56-60, M 1 Response 3 days ago

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    I don't think anyone really can. When you have alot on your mind it just feels like people or like alot of yous are whispering in your ears and you just want to make it all quiet...
    Raptax231 Raptax231 18-21, M 2 days ago

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    it's one of those night. i don't w know what to do to get to sleep.
    CallmeHopelessNotRomantic CallmeHopelessNotRomantic 36-40, F 1 Response Apr 10

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    My mind won't shut up grrrrrr
    purpleturtle5 purpleturtle5 36-40, F 3 days ago

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    I'm wide awake thinking about having to go retake my driving test for the third time I almost got it Monday but a guy gave me a fender bender so it was an automatic fail I really...
    waterfalls542 waterfalls542 26-30, F 1 Response 3 days ago

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    I've been up since 2am and it is 6 already just thinking about the day I give birth to my baby girl and planning on not having any visitors over ha I feel so evil cause I hate my...
    crazy4love crazy4love 22-25, F 2 Responses 3 days ago

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    i usually sleep an average of four to six hours a night, but lately that has decreased to one to three.
    callmenathan callmenathan 18-21, F 3 days ago

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    All the time every day of my life
    WWEIsAwesome WWEIsAwesome 16-17, M 2 days ago

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    As of lately, comparing myself to people is what has been keeping me up.
    leimic leimic 18-21, F 1 Response 2 days ago

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    Like right now. It's 12:40 AM here. Thinking **** making me restless. Learning to breathe n just let go.
    geisha7942 geisha7942 36-40, F 1 Response 2 days ago

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    I wana call someone as i Carnt sleep im to scared
    Lasbutterfly Lasbutterfly 16-17, F 2 Responses 1 day ago

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    I really hate when I can't sleep at night. It's be nice to feel at ease when I lay my head down
    tabbi123 tabbi123 26-30, F 1 Response 1 day ago

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    Why do i care so much i guess its just who i am. Some log off and do not give a second thought to those on line for me that has never ever been the case. I care too much for people...
    lilreddress lilreddress 36-40, F 17 Responses Apr 3

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    I feel I'm to much for people because I bother them or I'm to weird or that I just say sorry a lot when I don't need too. sometimes I just wish I could talk to someone that can...
    devanking15 devanking15 13-15, F 2 Responses Apr 19

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    I'm sure you've all sat down to work on something and immediately filled your time with distractions. Hopefully, you've also had times where you sat down and truly did focus on...
    addictedtoeverything addictedtoeverything 18-21, M 1 Response Apr 23

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    Yes we do! We have way too much unrealistic expectations in our relationships. We don't want the man or the woman to cheat but we afraid to experiment in bed. Women don't like...
    FelicitySmoak FelicitySmoak 31-35, F 3 Responses Apr 23

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    I wish my school would just get rid of homework for good. The classes are moving forward way too fast. It's like the homework is what's supposed to be teaching us. The teachers...
    moose73630 moose73630 16-17, M Apr 3

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    Sohdee pop Ice creem. Cookeeeezzzzz Way too much. And blame industry producers. Plus doctors. They make us taste sugar. And say hypoglycemics need it. Then make...
    convertihd convertihd 46-50, M 1 Response Apr 3

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    I think I care too much about the people who couldn't give less than 2shits about me, and my existence and sometimes knowing that. I end up crying myself to sleep... Especially...
    QueenofIceandRoses QueenofIceandRoses 18-21, F Apr 4

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    Who is worse. Those who care too much. Or those who hurt the caring for profit.
    convertihd convertihd 46-50, M 3 Responses Apr 4

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    I really can't help it whatsoever but I over think way too much about everything. So many thoughts.
    kennethwf kennethwf 18-21, M Apr 6

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    Way too much. I think in a way that I stress myself out. Everyone is like "your a kid you shouldn't be stressed out." Me- I'm 14, and just because your a damn kid doesn't mean I...
    MichaelEgitto MichaelEgitto 13-15, M 1 Response Apr 12

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    I think I think too much...lol
    EyeDontGiveAHoot EyeDontGiveAHoot 36-40, F 9 Responses Apr 14

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    I care way too much and take everything too seriously. And nothing can take the pain away that I feel from my let downs at least nothing I've found yet.
    ReneeTay ReneeTay 18-21, F 1 Response Apr 15

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    I always find myself thinking way too much or over thinking something. For example, throughout the day, my mind wonders everywhere from funny things, to ideas, to sexual thoughts...
    rockerstar rockerstar 26-30, M 2 Responses Apr 20

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