<prompt> Human: It really just snuck up on me but it was 100 my fault. Im 36 and it happened over about 5 years. Never was an issue when I was younger which is surprising but its also almost reassuring knowing that this isnt who Ive always been. Just been an idiot and I hate the feeling.Have a 7K bonus coming in April. That will pay off one card which I will immediately close. Other card has 17,500 balance which is years of living beyond my means, some bad spending habits, and some medical bills. More of the first two, but a few K of the latter. I have a great plan in place and because I know who I am, I know it wont be hard to actually accomplish. I mean, really...its basically a car payment for a car I never bought.So, Reddit...see you in 3 years when this monkey is off my back. Thanks for listening. Feels good to just come out and say it instead of pretending like its something to be ashamed of. It was a mistake, nothing more. Hoo-rah. Edit: Thank you for all the replies and support. It was actually really hard to come out and tell my story but I feel better because of your replies. Second edit: Thanks go user aguyandhiscomputer for the excellent visual aid as to why closing the one account isnt the best idea. That type of visual is exactly how I learn best and it sunk in right away.  <response>: My wife and I cut up our credit cards after 30,000... and it took us 5 difficult years to climb out... In the same month, we paid off our vehicle, our credit cards, and our medical bills. For the next 12 months, we purchased everything we ever wanted with cash, because we were flush with it. Saved enough for a down payment on a house.. Truly a great feeling. You can do it! 