^ yeah, 2 late payments and over limit fees because the interest keeps compunding at a higher rate than my $65 minimum payment is owning the shit out of me and thats why i need a loan to get out of this ASAP, one of my 3 cards gave me a settlement at 6% and $22 a month and closed the account, but the other two dont offer that so im fucked pretty royal right now. losing a job during a school year sucked last year