There is currently a practice with credit card companies. If your payment is late they start escalating your interest rate. Discover card is extremely bad with this. With being laid off some payment did make it but they where late. My interest rate escalated up to 29.9% interest. With the higher interest rate the payment quickly goes up. This makes making the payment even higher.
Unfortunately we do not know when hard times are coming. We can look back and say not to charge so much. This is good advice to start with. For the rest of us who did, if you can any way possibly, take a part time job. If you can anyway possibly avoid the higher interest rates, do it.
The laws on the interest rate are going to change for next year. Hopefully it will take some pressure off.