I owe $12,000 USD on my BofA credit card and need help

I’ve been paying the minimum balance and sometimes when I can I pay more. It’s almost $600 a month and I haven’t been late paying it. I want to know if there is a forgiveness program or a way I can change my bank to a better bank that offers something like that (I know Bank of America is awful, I thought I couldn’t switch bc I had credit card debt)

That’s all I need to know + any serious advice on how to solve my problem is welcome. If you’re interested in how I got to $12,000 on debt you can read on, otherwise any response is helpful!

How I got here:
About 3 years ago I lived in an apartment that increased my rent by about $400, they said it was all in the lease that I neglected to read all the way through, so I had to start putting a portion of my rent on my credit card which had about $600 debt on it at the time.
I then lost my job and worked for AT&T door to door sales. That paid as bad as it sounds but i was blinded by the aspect of maybe owning my own llc, in hindsight i was an idiot I know so I stayed and thugged it out for a while. So now I had to put almost the full amount of rent on my credit card. That lasted about 2 months. Before I ran out of space and I requested a credit increase to $8000 and then I could put a few more months on it.
It started paying so bad I had to leave because my money is based on the sales I got and believe it or not, nobody wants an AT&T guy at their door at 8pm selling them internet.
I ended up finding a roommate but I had to wait until their lease was up to get the apartment so I had to stay in my apartment past my lease paying month to month which was almost $2,000 a month.
Alas I had to request another credit increase up to $12,000
Now I’m at a stable job but am struggling to make payments and live a basic life.

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u/ESDEATHxZERO2 — 11 days ago
▲ 31 r/macross

Alright guys, back at it again, watching Macross 7 for the first time, fuck it we ball. Ep: 1-5

Incase you’re new here. I didn’t know there’s other Macross series, so I started here at 7 because it popped up on my Hulu and we’re still lovin it, still don’t get the hate.

Why does basara live in half a house lol

And why are their streets built like that on a SPACE SHIP. Make it more efficient god damn.

There is a full blown attack/invasion going on and this pink haired girl is all worried about the concert. Like bro. Your life is on the line

Honestly instead of a gun. Basara’s mech should have a guitar that shoots his speakers like SpongeBob with his guitar shooting lasers.

What a bangin fuckin intro

Having skyscrapers on a spaceship is kinda wild. (Bro they don’t even fit in the force field, what’s the point)

Ya know. I haven’t seen basara drive a car anywhere, no wonder he’s always late

On a spaceship, the concept of having a slums is unique but I think it’s kinda dumb lol. Ur on a spaceship I think the whole thing needs to be…. Idk spaceshippy.

I NEED them to stop attacking during basaras songs. I need to hear every banger all the way through but they keep getting interrupted

THIS GUY DROPPED HIS GUN SO HE COULD PUNCH BASARA IN HIS MECH. SHOOT HIM BRO

Is the drummer lady apart of that alien race that decreased their size to fit in more?

Is mylene just constantly on the run😭😂

This poor flower girl has to buy new flowers each time he performs just to never give them to him

There’s a strange correlation between the fire bombers putting on a concert and those guys attacking. Maybe they need to stop putting on concerts, Once or twice is ok. But EVERY CONCERT, somthing is going on, they have to be causing the attacks.

That was FOR SURE rays old mech. Between him hooking up with mylenes mom and the divorce of her parents. This story is kinda crazy, idk why people don’t like it.

So is every mech controlled with a guitar shaped control box? Because she said her parents used to be pilots and that’s how she knows how to fly, so that implies the other mechs are guitar shaped lol

I miss totsugeki love heart already. Haven’t heard it in 4 episodes. Or at least I haven’t heard the chorus

u/ESDEATHxZERO2 — 1 month ago
▲ 25 r/macross

Watching macross 7 for the first time, Aparantly there’s other macross(s?)that isn’t 7, didn’t know that. Fuck it we ball. Episode 1

Let me preface this with I just saw this come across my Hulu and it looked cool so I thought I’d give it a try. Didn’t know 7 meant there’s 7 different season or whatever lol. I guess we’re hopping in in the middle.

immediately right off the bat. How tf did this kid sneak a giant mech onto their 1 million person space ship that no one seems to know existed before he start shooting speakers out of his mech and singing the most Glorious 3 and a half minute song ever. How did he get that on board?

Was that a giant green alien head at that command station? Did they kidnap that guy like lord genome in ttgl? Is his head just stuck there forever and now they just force him to work against his own kind?

So is his goal to sing the aliens to death?

Cool ass spaceship tho

Also drummer lady might be the baddest bitch in there. She had explosions going off and shockwaves and shit everyone is ducking and hiding, she sat there like stone cold Steve Austin. Bad asf.

That song tho. It’s 2:30 in the morning. I have work in a few hours but my body is grooving to that. *something somthing love hearrrrrt* shit was a banger song.

I don’t want my reception of the show spoiled based on other opinions, so far I’ve seen most people don’t like it so I guess we’ll see. I won’t read too much further into those comments lol.

Edit: after I posted this I saw “absolute beginners guide to viewing macross”

lol

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u/ESDEATHxZERO2 — 1 month ago

What do you think Lin Lin will settle at, it’s currently $3,300 and I’m looking to be fair.

I am posting this on eBay and I want to post a fair price point so I’m looking to see the opinion of everyone here of how much I should sell it for.

Edit: don’t know why I’m getting downvoted, $3,300 is on tcg player from what I saw like an hour ago

Double edit: just sold for $1000, from what I’m seeing here that’s a good thing?

u/ESDEATHxZERO2 — 2 months ago