credit cards will kill you, it's meant to. if you pay the minimum payment each month on 10, 000 it'll take you about 40 years to pay off. if you don't have the money don't spend money you don't have. I tried to get rid of Capital One and paid them off, I thought I was done with them and in a months times sent me a bill for $13.00, I paid that then they wanted $8.00 finally after that I notified the FBI and in about 3-4 months I received a check from Capital One for about $30.00.
If they send a small bill out to you say for $9.00 you'll pay that just to get rid of them but if they send that out to a million customers you can see how quickly that adds up for the bank and it's all fraud. Any banking problems notify the FBI.
I've learned through mistakes to use and only use a debit card, you pay zero interest.