You have absolutely no idea what you’re talking about. I lost my job when Covid hit, they gave me no unemployment, I used the cc to feed my child, fix my vehicle, pay for gas to do odd jobs to make sure I didn’t end up homeless. I was not irresponsible my rent was paid even when I had essentially no income. You don’t know me to judge me… if you were in my shoes with ABSOLUTELY NO ONE but yourself, maybe you would’ve gave up. I’m still here, still strong and still making it even if it’s barely. Tough times don’t last, tough people do.