How did I get here?

I keep thinking to myself, how did I come to this point: filing bankruptcy. Then, I think back to 2003 when I got my first Capital One Visa credit card. I didn't want to, but my mom thought that it would be a good idea. Instead, it became the catalyst for misery and heartbreak. And I keep thinking, if I didn't listen to my mom and get that card, everything would be extremely different. But, I blame myself because I didn't listen to my own instincts instead of listening to everyone else. Follow your instincts; if something's a bad idea, DON'T DO IT! I wish I had all those years ago.