But I hate how they say that WE screwed their credit. We didn't. We provided you with it, you used it. If you're old enough to get a credit card, you should be old enough to deal the consequences that can come with it. Get a job and pay that fucking card. It kills me especially when they have like 20 dollar minimum payments.. You're telling me honestly that there is no way to make that payment? Or you'd rather spend it at clubs and whatnot.