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Good Venting, Sequioas...
I am very sorry what and how you had through, Sequias and Kalista. I respectfully disagree what and how they did to you.
I got shock when I read your post that 32% interest for use credit card... Oh dear...
I do own credit card but I don't use % interest on it because I don't use monthly payment but just pay off the whole month spending because I told them that I do not want monthly payment in my credit card but pay off whole month spending in end of month that's why they don't charge me extra % interest.
I wish to advise you when I know more but I don't have any experience like that but it's great to have Katalisa to share her positive experience here with us with positive link.
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*sniffing you*
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