Sorry to hear you're back out 'there' ghost. I froze a few of my personal credit cards when I was getting into sobriety. Like literally froze them in my freezer. That was 9mo ago and I've almost got the three paid off now. These were my 'fun cards' that no one monitors except me,so I could spend 'freely' on booze,cash advances for drunken/drugging gambling binges,ect..Stuff I couldn't do with my joint business cards/accounts(even though I have done that before). I hope you can get off the ride you're on,bud. It takes a lot of work and it does suck at first. Best wishes,man!