You start walking up the High APR road and it seems nice. You're getting further away from the swamp. This is starting to get a little exhausting.

It's getting harder and harder to keep your balance as the path is getting narrower and... whoops...

Much like a loan with a high annual percentage rating (the total cost you pay on a loan in one year) this path turned out to be a risky choice. Except instead of sticking you with high interest rates and fees, it put you on a precarious, narrow ledge.

Your credit has died.