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I hate to stay your barried on it, Your only sollution to it is to sell it privately for as much as you can get, End use it to ward the balance oweing on it, End work it out with the bank on the balance owing after you sell it, End the payments, That is your only choice, Unless you file for bank rupcie.
it always a good idea to keep a low balance on a credit card,, a low balance makes it easier to pay off & keep in good standing with the ones who issued the card, and also gives you a higher credit score keeping the balance paid off