decomp

late at night, watching the tube, thinking about getting high or reading, anything but this drinking thing I do. Why is everything so hard, so difficult, so full of angst. I know I'm a decent person. I know I try to pay my bills. But life totally sucks. Why do credit card interests run 18 to 25 % yet accruing interest on a CD is only 3% or so?
They have the interest rates switched. Sorry to be negative, just need someone to understand.