THIS CARD DOES NOT HELP YOU IF YOU ARE HURT ETC NOR DOES IT HELP YOU TRY TO PAY IT OFF BY ELIMINATING ANYTHING NOR WIL IT TAKE PAYMENTS FROM CREDIT COUNSELORS YOU JUST KEEP INCURRING FEES SO YOU ALWAYS OWE THEM AND CAN NEVER GET AHEAD THEY JUST KEEP ON TAKING AND TAKING A TOTAL RIP OFF IT SOUNDS GOOD IN THE BEGINNING TILL THY GET YOU SUCKERED IN