I can't stress enough--DO NOT GET INTO CREDIT CARD DEBT!!!! It happens so quickly and so easily and, before you know it, there is no way out. I was told that I could not pay mine off in my lifetime. I was also told that my debt is low compared to the national average. I have gotten myself in a terrible bind and THERE IS NO WAY OUT! I do not believe in filing bankruptcy (although many have told me that is what I chould do). So, is all I can say is--DON'T DO IT!!