[water1111]

Your right---the minimum payment doesn't even cover the interest....

Yes, I am doubling and tripling my payments each month trying to lower the debt.

I have a chase CC and it has a $5,000 limit and when I first started to pay it off, I was over limit by a couple of hundred of dollars..In the last 3 months, I've been paying it down and now my balance is $3,500. This card has a 29% interest rate.

I have a discover card and it has a $4000 credit limit. Also, I was over a few hundred dollars and now I have it down to $3,200. THis caRD is also 29% in interest........


My goal is to pay off or down to 30% of utilzation/