Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What if you are not filing bankruptcy and you ran up your card and then were not able to pay...is that fraud? - I had to pay my tax bill and other expenses and it was not a little chunk. I had already let some other cards go since I didn't have the money to pay the monthly fees but I had the other bills I had to pay for so I did it on my available card...I have paid two months already but the payment is $450 a month and I may get to the point where I can't pay this one either....no income...right now. -