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I finished eating and went to the "Rec" Room. I introduced myself to several folks. The woman who was obviously the Matriarch said very matter-of-factly, "Why are you here, you are not sick." An air of suspicion soon permeated the table of folks. One guy even decided that I was sent there by the CIA to undermine their secret networks of operation. That being, where to get drugs, cigarette lighters, sharp implements, whatever one needed could be had by knowing the right people. Gee, that's still true today.
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It was a fraud. AIG never any capital to back up the insurance it sold. And the profits it booked never materialized. The default rate on mortgage securities underwritten in 2005, 2006, and 2007 turned out to be multiples higher than expected. And they continue to increase. In some cases, the securities the banks claimed were triple A have ended up being worth less than $0.15 on the dollar.
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Pay More Than the Minimum Payment. If you can pay off double your minimum payment , your balance on that card will disappear within a couple of months. As for me, I can only pay a bit more than the minimum amount due.
Destroy Credit Cards. I cut up more than 5 cards and kept only 2 with lower interest rate. Destroying credit cards is the very first step to debt reduction. This is to ensure that I am not creating anymore extra debts.