I have come across a very interesting quote that has helped me make every purchase after learning it. It is "if you notice you're in a hole, stop digging." Don't use your credit cards any further until you've paid off your credit cards. If you don't have the actual cash to buy what you are purchasing, don't buy it. Wait until you have the cash. Use lay-a-way options in stores. Eat at home. Keep a budget. Keep your receipts. Download the apps "Fetch" and "Ibotta". Record every receipt within both of those apps. You'll get points that eventually add up to gift cards to the stores you shop at the most. Good luck! I was in 9,000 credit card debt last year. Now I'm able to pay my balance off each month.   ... View more

Capitalone has a good secure card. ... View more