Ready to throw in the towel

I'm sorry! Credit cards can be evil! I remember when I was in my early 20s I had every major card there was plus a zillion store cards. Of course I couldn't afford them and ended up hurting my credit. I did manage to take care of them eventually, and now 15 years later my credit is actually really good, but I wish I had contacted a consolidation company.
Have you considered debt consolidation? It really might work for you. That way you could have one monthly payment and make things a lot easier on yourself emotionally and financially!

im under the impression that the card companies are getting scared. Alot of my cards are all reducing my line of credit or canceling them. but the other day one that canceled my account offered me a "settlemet" if i paid half they would wipe it away paid in full. I was not late, i was paying every month.

I believe they just wanted my account off thier boards because i had no credit on that card and they worried i may not pay it i guess.

sorry wasnt done yet! If you can do a consolidation program that may be best for you to get out from underneath all of that debt and considering you are current you should be eligible so i would check into that.