Please someone help me with this. My credit is totally ruined and I really need to get a card here soon.
I have charged off medical bills from when I was taken to the hospital in an ambulance and not by my permission mind you. It was for a seizure I had while i was staying at a friends house. He called 911 even though my seizures happen normally and are not dangerous. Damage was $900 ambulance bill and $4000 ER bill. I would have paid it with a credit card but didn't have one at the time because this was after I had a bad credit score.
My apartment lease broken and is on my credit report. It happened because my roommate was a total delinquent on drugs and I had to get out of there. He left too and it and apartment manager reported it.
My first credit card was charged off to collections. I had some rough patches with unemployment and had to stop paying. It was Bank of America Visa Platinum with $2000 limit. That went to collections and I didn't want to pay because they ripped me off with too much in fees and interest.
I am with Bank of the West and wanted to see about getting a card with that that was secured but am 99% sure they don't have one. I don't want to move to a different bank or credit union. I really need a credit card though.