u/Aromatic_Track1343

I just turned 25 on May 2nd.

I'm having a bit of a crisis with myself recently learning that with the economy bumps, I'm paying out more than I earn because I work a job that is a 92 mile commute minimum. I'm spending gas, putting miles on my car and I feel like I'm starting to fight to survive. I think I need to do something different since this is a security job and it isn't worth it anymore. My mental health is deteriorating. I sit and do nothing all day. I'm left in my thoughts sitting and doing nothing - sitting and doing nothing sounds like paradise for some, but I can't be happy with the way my life is right now. I've been at it for almost 2 years now. I've always been overweight, but even at this job there was a point I fasted, caloric deficited, went to the gym and dropped down to 230 which is the lightest I've ever been since middle school or so. Today I weigh 260, I gained everything back. I used to be able to come home, cook food every night to eat, repeat because I hated microwaving things, I'm not a good cook I don't really have life skills.

I've fallen into that trap of being uncomfortable in a position I hate, but I sit and do nothing because it's consistent & more comforting than quitting and finding something new. I have random times of energy where I imagine doing different, doing something better for myself but I stop because it's impractical. I just self doubt, and I don't put myself first. I don't know why for me it has to feel so hard when it probably isn't. I've been having suicidal thoughts recently. I shouldn't be having those thoughts & I hate that I do but I just have.

I make $35k in a year at 25. I'm in a better situation than most, but I lack self confidence because I'm overweight and feel inferior to everyone else. I have nothing that makes me happy anymore. I just live for family at this point. The only girlfriends I've ever had were online ones. I'm not living the life people my age probably should have.

I have a deep regret for putting myself into a mental hospital. I've always had suicidal thoughts throughout my life but never acted until the point where I actually did want to and went to go look for help for it. Whenever I went to the hospital they said I can put myself in, get help & I can leave anytime I want and I believed that. They held me for 6 days, and the entire bill was $25k but government insurance paid for most of it, but I had to take a $6k burden out of pocket for it. It's been hard. I feel like I was punished for trying to get help when all that happened there was arts & crafts and a disconnect from the outside world. That costed me $6,000? Really? I just feel like I make nothing but mistakes lately and I don't know how to bounce back. What is somebody like me supposed to do?

For context I transferred a balance from Chase to Capital One and was paying off a statement balance to Capital One monthly for no interest.

When I saw that the balance transfer came in from Chase and my total balance for Capital One came into around $3000, it derailed everything and I called Capital One to ask:

1. If I am paying in to the balance what am I actually paying off? Am I paying off my statement balance that has 30% interest or am I paying off to the balance transfer at 0%?

(to me, it meant if I wanted to tackle the $400 balance I usually have on my C1 because I pay off the statement balance for the points, am I gonna have to somehow pay $2600 first before I can even touch the statement balance?)

I'm young so it was confusing to me.

2. I asked how much would I need to pay in monthly to avoid interest.

The response I got was that the entire account had a 0% interest rate on the entirety of the account. He told me how much I paid in whether if it was as little as $200, it would never have interest until 2027.

I asked him if I could get it on recording he agreed and he clarified again that my entire account has no interest, I could pay as little as $200 and never have interest. I held onto it because I thought if there was an issue I could dispute this, maybe get interest that was added on taken off as a courtesy and Capital One refuses to do that. They refuse to credit me back any interest despite their mess up.

At this point, I want to ask for advice to see what can be done, I'm happy with just interest being reimbursed as a credit, they won't even give me that so am I screwed? Can I use this and take it to a government office or anything?