Sorry guy but if you make 50,000 a yr you are not taking home 4000 a month try about 2800-3000 a month max and if you are dumb enough to figure out with taxes homeowners and interest that you can make that nut every month than put the blame on yourself. I don't blame the credit card company for giving me credit, when i run up a bill i can't afford. People are lazy and want someone to blame for a poor decision.