I have been working with Citi card to try to get t

I have been working with Citi card to try to get them to accept a lower payment. They know my sittuation and its not good but they dont seem to want to budge just keep letting the fees and interest go up. I have what called a no pre set spending limit but never used any amount over the credit line. Been with them for 6+ yrs and always paid in full or more than min. never once defalted till now. my situation has me needing every dollar so why give it to them just for some fees? Any ideas?

2 Answers

Creditors are not bound to lower the interest rates or fees. Unfortunately, you can't do much in this situation. You can't even close the account for it will shorten your credit history and hurt your score.


Dont kid yourself...you are not working "with" citibank....you are working against them.   Citi is agressive...they dont care about your past, only what you owe NOW.  They probably will not budge.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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