 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. Yeah, debt problems are always solved by more debt. What do you mean?