<prompt> Human: I thought paypal credit was awesome and I am normally great at paying my monthly bill, but I maxed out my credit line during christmas and now it seems no matter how much I pay on it the total keeps going higher. This morning I was setting at 3528.00 and just a while ago it shot up to 3628. I havent used it and there is no transaction pending besides a wrongful refund. I thought I could handle something like this and I messed up bad. The stress is getting to me I dont know what to do. I have very low income and live in a low income area. Any one out there have similar experiences and advice?  <response>: Are you paying minimums? Extra? I am going to assume you are getting slammed by the interest rate. There is not much you can do other than paying whatever you can towards the debt until it is cleared. You will pay a lot of interest over that time depending how quickly you can pay it off. 