I had open heart surgery at the age of 38. I have 2 citi cards, both maxed out. One with a $9k debt and one with a $3k debt. When I was in the process of preparing for surgery, I contacted citi card services and spoke to a CSR. I explained my situation and asked if there was anything they could do to help me. First they offered to “let” me pay a fixed number for 6 months. The fixed number was what my minimum payment was anyway with the card maxed out. Not helpful at all. So I said as much. Then, the CSR came back with another offer. Pay a fixed amount ($147) every month at 0% interest for 5 years until it’s paid off, and I can pay it off early. You bet your butt I took that offer. I can still charge on the card, but that wasn’t smart so I destroyed it. Now 100% of the payment I make to the credit card go to the balance, and then my only credit card is under $3k.
My point is that it never hurts to ask.
Also, they never asked for any proof of my “situation”, they just gave me the 0% rate, so take that info however you want to interpret it.
Submitted June 27, 2019 at 07:07PM by Pin-Up-Paggie https://ift.tt/2ZWaILw
