In 1999 I took out a credit card. My credit history was very good with them so they raised my credit limit to $3,350. I am disabled and had financial problems due to Workers Compensation not paying and Long Term Disability stopping my payments for a 10 month period and I got behind. The company has closed my account and I have since paid them all total so far $10,397.00 for a credit card that was initially $3,350 and they are still asking for another $2,802. In approximation, over 80% of this is penalties and interest they have added on monthly. I can't make headway.