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    $15,000 credit card debt at 21yrs old

    @biblejohnmark Indeed. OP would be wise not to join those foolish individuals.
  2. %

    $15,000 credit card debt at 21yrs old

    @biblejohnmark Hey, I managed to get it. It doesn’t hurt them to try.
  3. %

    $15,000 credit card debt at 21yrs old

    @pam4him I got in a similar situation during grad school. I went to my bank and took out a personal loan with the understanding that I was closing the credit card account (which I did). Personal loans have far lower interest rates, a defined term, and a defined monthly payment - just like a car...
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