I have been actively trying to rebuild my credit for the past 3 years and now my credit is shot. This is a CitiBank Credit Card via The Home Depot. I was making monthly payments of {$130.00} on a balance of {$10000.00}. On my XXXX/XXXX/2015 XXXX, {$6100.00} interest was suddenly added to my balance for a total of {$16000.00} and a minimum payment of {$700.00}. The added interest charge surge has put this account {$5400.00} over my credit limit and I can not possibly afford the new higher payment. As a result of the high over limit amount and late payment status, my credit score has dropped from XXXX to XXXX. 
