You signed for it, you own it, you charge on it and you pay it. Banks are not welfare organizations. What you’re doing is making the banks raise rates to us to cover your debt. You are one irresponsible person. Bet she’s a liberal/Rat .... the other thing that makes me mad is those commercials that tell you they’ll negotiate your CC debt to a lower amount. Right - that’ll be on your credit report for seven years.