i may be wrong but is islander the same person as troubled if your not sorry as both posted 1 msg and have big problems..

go bankrupt because you owe one cred card ? what was your limit ? i owe 2 cred cards, put £2000 on visa fees on one, and £900 op for me dog on the other, ive just been to my bank to get a loan to pay them off, so i dont have to pay 17% intrest

i find it hard to believe that he cannot pay one card off, i dont know what his limit was on the card £3000, minimum payment would be what £70 a month

why not apply for another card with intrest free transfer for a year, and cancel the old card..

end of the world for one cred card