If I didn't have a mother who showed me the ropes of living within my means even when I still lived at home, and see for myself just how sleazy these card companies are I would probably been in the same boat.
Back in 82, when my Dad was dying of cancer, Mom wanted to pay off all of the high bills since she knew she didn't/wouldn't have that kind of money after Dad passed. She sent out 2 checks to one of the CC companies. They called her to say that they LOST the $1000.00 check & could she send them another!
Needless to say, Mom waited until she got her canceled checks back & sent them a copy of the CASHED check. Then told them what they could do with their card!