My credit card debt is horrendous. I don't even know how it got to be so high, but trying to pay it down seems impossible. I suppose I've been irresponsible, as I usually am with money.
Maybe I would be better off if I'd never had a credit card -- or if the businesses I frequent refused to accept them. Of course, businesses have to accept credit cards. That's how most customers prefer to pay these days, and it certainly is the most convenient thing. I just wish I didn't have all that debt -- it's fun thinking about what I would do with the money I would save if I no longer had to make those awful monthly payments!