You're going to have to file for BK unless something drastically changes quickly. With your current situation, you won't recover. You said it yourself that you were thinking about filing and that was 3 weeks ago. Your credit card minimum payments are more than you bring home in a month. Your UTI is only around 30% but that is 36k in credit card debt and you make 1k per month income. This 1k income does not include rent, food, utilities, etc. You cannot continue to live this way. I really do hope you find a solution whether it is BK or additional income.
O well couldn't resist rejection & wanted one card i can use for my fuel expenses and so using & knowing paypal usesTU (the same credit bureau as barclays) applied for Paypal 2% Xtras Mc & was approved for $3k on 28th nov. 2018.
Same profile same income same report...hmmmmmm..
I am beyond confused OP. Why are you continuously applying for CCs? The behavior is akin to an addiction and soon it’s going to over power you. You’ve really gotten some excellent advice but you’re not heeding it. Please step back and reevaluate everything you’re doing. I know if this was my situation, I would be so stressed out and a mess. Just please stop applying for credit for your own sanity.
@maharshi, on another thread, not long ago, you make mention (post #7) of using your Murphy's Visa plus the Sam's MC for gas purchases. Wouldn't the PayPal Extras be a moot thing?
that Murphy visa (FNBO) card is someone i know i m blacklisted on; so is US Bank, Amex, Chase, Bank of America although B of A offered a secured card to start a new relationship later.
I have listed this here for your future reference FinStar. someday this post will come handy.
i want to think i will forever remain very very mysterious to you @FinStar.
What's even stranger, if you look at the list of cards, OP annotates them as belonging to Grandma, DW and DH.
OP appears to be the 4th person in the mix.