24%??? WTF? u must have fucked up credit.

credit cards are dangerous.... if not used responsibly. yeah u were/are unemployed and had to charge to get food... but look at it from the lenders point of view. u just borrowed $31k within a year, but make only $21k a year. you are a high risk of defaulting on it and/or claiming bankruptcy. either way is not favorable for the lender/creditor who let you borrow that $31k. life's a bitch. its just your turn to fuck it.