Quote Originally Posted by ChevyGirl
I have a VISA ... 2300.00 .... I'm in the same boat you are, I really wish I could get it paid off. Every month I pay 200 or 300 dollars but nothing helps... all it does is pay the finace charges. I think Im just going to take out a loan to pay it off and then have lower interest when I pay the loan back.

You might want to get a new credit card wiht a 0% Intr oapr and transfer the balance! Rediculous finance charges can make payments seem ineffective.