At the time, it seemed like a good idea. But going for the minimum payment option “just this one time” turned out to be the worst mistake of my life. The day I opened that door and walked through it, I altered the course of my life.
I reasoned that I didn’t have enough money to pay the credit card balances in full, so what was I supposed to do (oh, hear me whine)? I'd catch up next month and pay everything down to $0 before my husband found out. All I needed was a little breathing room.
