helped me out tremendously. She paid off 2 of my credit cards for me when she found out that I was paying $90 a month on one, and $86 of that was for finance charges. At the rate I was going, I calculated it would take me 48 years to pay it off. The other one was much smaller but still had a high interest rate. I still have a Wal-Mart card and a low-limit credit card that carry balances. I closed the super high interest account and kept the other smaller one just in case (but I really REALLY don’t ever want to have to use it).