To the above comment "Just pay your damn bills and you won't have any problems. You signed the contract, pay up."
You have no idea what someone's situation is, so you should not be judging people! When someone ends up with cancer and is unable to work, they can't just pay there damn bills. Maybe they needed the credit card to pay for the hospital bills or the chemo, or maybe they just wanted to be able to buy food for their kids.
You have no idea what someone has gone through, unless you've been in that situation!