It would be impossible for me to qualify for a Credit Card. I have not made a pyt to Capital One in almost a year. I'm trying to stay afloat with my Discover Card (closed) making planned pyts. Once paid then I will start paying Capital One starting Jan 2020 I can't pay both.
There are non profit agencies like Consumer Credit Counselors, who can do a repayment program. Better than bankruptcy, but I heard there are now a lot of imitators who charge exorbitant fees. Definitely check out any company you are considering with the BBB and scam alert first.
That sounds awesome. Congratulations 🎉
I don't believe in closing credit card accounts. Freezing them though sounds like a great option.
I have wanted to try Dave Ramsey's Snowball approach and in fact have started several times. Unfortunately I, life happened and I charged again. I lost half of my income when I turned 65. My LTD stopped.