I following is a paragraph regarding my experience with credit cards. I now need to bold the nouns and pronouns and underline the verbs. I do not know why, but I am having a hard time with this. Any help please.

When I was 18, I received my first credit card. When I first received my credit card, I was not very responsible. I quickly charged the card to its max limit and was constantly late on my monthly payments. Because of the late payments and high balance, the interest rate were absurdly high and the late fee were abundant. After ending up in severe debt, I realized that what I did was very stupid spent the next year working hard to pay off the debt from the credit card. Immediately after the card was paid off, I closed the account. I am proud to say, I have learned from this very foolish experience and have tried to be more responsibly with credit cards after that.

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http://www.arts.uottawa.ca/writcent/hypergrammar/partsp.html

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When I was 18, I received my first credit card. When I first received my credit card, I was not very responsible. I quickly charged the card to its max limit and was constantly late on my monthly payments. Because of the late payments and high balance, the interest rate were absurdly high and the late fee were abundant. After ending up in severe debt, I realized that what I did was very stupid spent the next year working hard to pay off the debt from the credit card. Immediately after the card was paid off, I closed the account. I am proud to say, I have learned from this very foolish experience and have tried to be more responsibly with credit cards after that.

To bold the nouns and pronouns, you can identify them as the words that represent people, places, things, or ideas. In the given paragraph, the nouns and pronouns are:

When I was 18, I received my first credit card. When I first received my credit card, I was not very responsible. I quickly charged the card to its max limit and was constantly late on my monthly payments. Because of the late payments and high balance, the interest rate were absurdly high and the late fees were abundant. After ending up in severe debt, I realized that what I did was very stupid spent the next year working hard to pay off the debt from the credit card. Immediately after the card was paid off, I closed the account. I am proud to say, I have learned from this very foolish experience and have tried to be more responsibly with credit cards after that.

To underline the verbs, you can identify them as the words that show actions or states of being. In the given paragraph, the verbs are:

When I was 18, I received my first credit card. When I first received my credit card, I was not very responsible. I quickly charged the card to its max limit and was constantly late on my monthly payments. Because of the late payments and high balance, the interest rate were absurdly high and the late fees were abundant. After ending up in severe debt, I realized that what I did was very stupid spent the next year working hard to pay off the debt from the credit card. Immediately after the card was paid off, I closed the account. I am proud to say, I have learned from this very foolish experience and have tried to be more responsibly with credit cards after that.

By bolding the nouns and pronouns and underlining the verbs, you can make them stand out visually to focus on the parts of speech that carry the most meaning in the paragraph.