4 years agoI used to live in an overdraft and had a credit card from MBNA and honestly they gave me PTSD around my phone because they hounded me. Anyway at the time it got so bad that I paid my overdraft and lived on nothing really for a month. My cc went to a solicitor and I made a plan and it was the best thing I did. 20 years later and still no credit card and no overdraft. I have an old car but it's mine. Lately I have found I've been slipping. I think it's something I'll always have to watch.
