[thechat] Hey Buddy, Can you Spare a Dime?

[Fred Jones]

> Now that was a great deal!  I'm gonna try that.  I'm not in quiiite as
> deep as you, but the (eight --wince!) cards my wife and I do have are
> all pretty close to maxed out, and their rates have all climbed up into
> the way-high teens in the last year or so.

They asked me my income and then all my expenses. Only if they see you
can't really pay the minimum payments are they willing to consider you
financially stressed. That's how it seems anyhow.