GO to the bank, tell them your problem, show them the reports, and cancel the card. Go into a repayment deal, do NOT let the bank hit you with 18% late payment charges, thos are ah long rate..

ALso, just wanna put this here.

If you're young, starting your career etc... 20k might seem the world to you and losing that will hurt alot. Totally understand and I have been there.

But, give it time, by the time you're an old fag like me, you will look back to that amount of moneyand smile thinking it was a good lesson and not worry about it much.