Life of the College Girl

A Capital One credit card, which explains why I cringe every time I see one of their advertisements. I decided to apply for it to get credit. I was going to use it for little things like groceries and the occasional outfit while I was away at school. Then, my mother got this great idea; use it to pay for my books! Since, at the time, I was going to school out of state, I didn’t have any money left for books. My mother told me that she would help me pay it off because I used it for school and that’s the only reason why I agreed to use it. I mean I could of applied for hundreds of credit cards if I wanted to. Used them to buy any and everything I wanted, but I didn’t because I’ve heard stories about how debt could sneak up and bite you in the ass. I didn’t want  to get bit.

Come my second semester at the school. Struggling to pay to even stay in the dormitory, a couple months later the Infamous happened, and on top of that I was dodging bill collectors. Come to find out, my mom only made one payment on that credit card she said that she would help me pay off. How could forget? I mean all my bills were still coming to my house. Oh. She put everything with my name on it in a pile somewhere and forgot about it…that’s how.  I was still trying to figure out how she couldn’t pay my tuition, nor the credit card bill that she said she would help me pay off, but she could afford a new big screen tv, a new stove, a new laptop, and numerous other things. She could afford to give her dead beat husband thousands of dollars to gamble away and when I ask for just a little bit on my bill I get a sob story about how she’s broke…hmmm I wonder why?

Now I’ve had 2 judgments for the delinquent credit card. The second one came as a surprise because my mother told that she would pay it off for me and all I had to do was pay her back a little bit every week when I started working, which I planned to do. A couple months later I get a letter saying that they are going to start taking money out of my bank accounts to collect for the debt. Come to find out, she never sent anything. That enraged me, because you just don’t do those things!!! Tell me!!! I thought it was taken care of. On top of that I still owe money to my other school which is preventing me from getting my transcripts so that I can transfer. All because of her.

I know right about now I might sound like a spoiled brat, but that is definately not the case. I’m in $4000 debt,I might of ran up $500 of it on my own, and now I’m forced to pay it all off on my own. My credit is so bad that I doubt I can get anything! Apartment,car, nothing, so I’m stuck in this hell hole because of her! I wanted to be able to get my own car by July, but that’s not going to happen now because I fear it might get repossessed.

I just feel helpless right now. I’m stuck in this house, a house that used to be so beautiful, that looks like hell because she let people trash it. I have to stay in this house with someone who snorts coke, that I know snorts coke. My ex told me, and I think I actually heard him doing it in the bathroom one time. I heard it through the vents. My mom doesn’t care, she says she’s going to kick him out but it never happens. He’s wrecking my house, they both are ruining my life and I just feel like I need to get out of here, but now I can’t because my credit is so fucked up. I’m sick right now. I just want to get away from all of this. I wish I never ever got that credit card. I wish I never ever trusted my mother with anything, even though I should of known because of how messed up her credit is. Plus why would I listen to someone who doesn’t listen to me? 

Right now I have 2 credit cards. One I got for emergencies that I’ve been paying on twice a month to see if that could do anything to boost my score. The other one is yet to be paid. I’m going to start sending money when I start making more that $100 a paycheck. Right now, my average paycheck is around $80. I know my current boss is going to hate this,but I might have to start looking for a second job. Probably something overnight so it won’t interfere with my day job. If I gotta get a third job I will, but I doubt with the job I have now I’ll be able to pay off $4000 since I barely made that much last summer.

I can’t stop beating myself over the head over this. I shouldn’t have ever used that card! I shouldn’t have ever listen to my mother.