madcapper - this is really quite simple....
1. instead of using ur credit card for deposits, get cash advances and pay these people off.
2. get a job and work a little to pay off this sum of money.
3. it sounds like you only owe a few dimes so this should not be so difficult.
4. instead of trolling the forums day and night, use that time to earn an honest buck.
Best Wishes...ID
