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The short version of the story is that I genuinely misunderstood the way my corporate credit card was to be used.

I have been using it over the last few years regularly for personal reasons, including medical, car payments (a car is required for my job, but not covered under expenses), and general personal shopping.

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Somehow I have managed to rack up a rolling balance of ,000 on this card and I can’t ever pay it all off in one go.

I had a bankruptcy a few years ago and cannot qualify for a loan to cover the full amount.

This just means I get charged Pay Pal fees for the cash advance, and it means nothing more is due until the next billing cycle.

This results in the next month having that balance plus charges, minus any and all money I can put toward it out of my pay (generally ,000 a month).

I am scared to bring it up with my manager because it might mean I will lose my job once they realize what’s been happening, and if I lose my job I will no longer be able to contribute the ,000 each month toward paying the balance off.