Seasoned, I too give Antonia kudos for not wanting to file bankruptcy and work two jobs if she has to so she can pay off her debt.With the new bankruptcy laws in place it wouldn't do much for her anyway other than to get her creditors to stop harrassing her.She needs to call up every creditor she owes and re-negotiate her interest rates.They will probably knock a lot off of them if she asks.I do think the credit card schills dole out these cards to teens and college students anticipating that a certain number of Antonia's will be among them.Meaning persons to young and irresponsible to handle credit.Or who do not understand interest rates.Not that it absolves the young people of responsibility.But they do target them.

The only credit card Antonia should have is an American Express card.Which has to paid off monthly.Or a debit credit card that will only allow her to charge on what she actually has in an account.Interest rates on credit cards today are way to high for most young people to cope with.And there is to much of an attitude of instant gratification and entitlement.Hard work and savings is the only way to go.Even if you have to start at an entry level position.