I haven't but a friend of mine did. At first it was tearing the family apart with the blame game but thankfully they finally sat down and talked and realized it was actually thru no fault of their own. DH had lost his job and they just didn't make enough money to cover everything. She thought their credit was shot but 4 months after moving into an apartment they got a cc offer and thinking they'd never get approved she sent it in. 4 weeks later they got it approved. Of course it had a 23% interest rate and a $500 limit. They took it and charged one tank of gas on it every month (paid in full monthly!) which helped to build their credit back up.
at 11:06 AM on Feb. 21, 2013