Reply #96: Well, here's what happened to me...

[Occulus]

I needed a PC for school; my parents wouldn't buy one OR allow me to grab the one they had but never used. I need to type papers and do research, lived off campus, and didn't own a typewriter.

Try doing all your work for school on campus. That's what they wanted me to do.

I begged. I very literally got down on my knees and begged. No dice.

They were happy to cosign a CC for the $1100 I needed to get a bottom-barrell PC. Knowing I couldn't pay it off.

"Well, how bad do you want it, son? We're NOT going to help you, except to get the card."

(These are the same people who found out I was gay, kicked me out of the house, and not a year later, "helped" me pack my things and left me homeless on the side of the road after I lost the apartment I was in at the time I got the card. Then my "let" me move back in with them... only to promptly cancel the school funding they were providing, thus forcing me out of school.)

All this happened over ten years ago. I'm still paying the damn thing off.

Moral:

NEVER EVER EVER CHARGE MORE THAN YOU CAN AFFORD IN CASH AT THE TIME.

Second moral: NEVER EVER EVER PUT YOUR KID IN THE POSITION MY OWN PARENTS DID TO ME.

I should add, these people pled poverty the whole time; years later, I found out they had hundreds of thousands sitting in the bank. At the time I asked, $1100 was *pocket change* to them.

I feel like I got, to put it bluntly, dicked. I learned the lesson a long long time ago, and I haven't used that card in a very long time, but the debt just WILL NOT disappear no matter what I do or how much I try to pay off.