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  1. I did know this when getting the card, but did not anticipate having such a high balance I couldn't pay it off. And I have used the pay over time on another card, and they penalize you for it, which is what's BS imo. Why offer an option that you are going to punish a customer for using? I don't need to know what I should have done, because I didn't make a "bad purchase" or anything, I got screwed and had no option but to put this balance on this card. I need to know what to do now, if there is anyway I can repair my credit.
  2. I will try to make this as to the point as possible: A number of years ago, a lot of stuff happened and I ended up getting screwed over by family which caused me to run up a lot of debt. Then a couple of years ago, I had a high amount of debt on one of my American Express accounts. The catch with this account is that it has to be paid in full every month. So I was paying $1,000 a month to pay this card off, but because that wasn't the full amount, I was getting hit with a late payment to my credit score every month for 6+ months. I called and talked to them when this first happened and at
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