I hear ya but do it and they will mess your credit up for life.
I’ve been through the depths of he*l with my credit back in the early 90’s due to layoff..it doesn’t scare me..
I won’t do it, but the temptation is there simply because I can make payments on the amount now (I work contract and am currently out of work)..minimums is all I can do, but I’m not missing a payment on anything..