I’ve gone as low as I can go financially, a few years ago I was completely bankrupt and though Chapter 13 helped me settle my tens of thousands of dollars of unsecured debt I still have to work my way through the arduous process of rebuilding my credit.  I’ve been rejected for employment opportunities, turned down for loans and turned away by credit card companies for half of the last decade but now, finally, I’ve gotten an opportunity from the fine folks at Visa to show that I’m no longer a total deadbeat.  My credit limit is a mighty three hundred dollars at my interest rate soars at just under twenty five percent, and I’m told that it will go even higher if I so much as consider being late on one payment – but life is good.  I know that I probably sound a little bitter, but I understand that I’ve really got no one to blame but myself.  Nobody twisted my arm and forced me to squander all of that money, or to buy all of that junk that I didn’t need – I did it all on my own and now I’m getting to feel what it’s like to pay the consequences.