 I am calling today to ask you guys kind of what you think my next steps might be. I've gotten myself into quite the mess. I have followed all of the rules of never opening a credit card in my life. I'm 27, and I've made it this far without one, and I've kind of gotten to a point where I am desperate enough that I have been riding the line of wanting to open one this week because of all of my debt problems that I'm having.