who is running off with money us or the credit card companies. these credit card companies almost make it impossible to pay them off . with over the limit and 29% interest charge. i owed 1500 on a credit card i am sure i payed over 5000 but the 1500 still didn't seem to go down . i was starving but i was keeping money aside to pay off the credit cards. at one time it came down to either paying these vultures or eating and to survive and chose the later. thats why there is bankruptcy and 7 years rule to help people out who are honest but absolutely can't pay them out. they are outrageous. they make you sign on bunch of document to make it legal but they are not ethical. so quit making us look bad , it's them not us.