gturnwald

Just wondering why you'd choose to keep the Citibank card when it has the highest rate than your other cards. Why not pay that one off to avoid the extremely high monthly interest instead and work on paying off the other gradually?

Debt becomes bad when it causes you to lose sleep, develop eyebags due to stress and tension at seeing the huge increase in interest rates, and induce delusions of creditors knocking on your doorstep to extract payment. So don't spend more than you earn. Don't spend money you don't have. And stop ...