A friend of mine recently contacted a credit-card company and, basically, said, "Sorry, but no can do on payments as-is. Is there anything your benevolent institution could do for me?" After 2 rounds of no-please hold, he got his interest dropped two-thirds and the monthly payments down 60 percent for a year. He refused to name names, and so do I in this matter, but, it paid to tell the truth. So, that's a happy ending. They updated his files; and he upped theirs. Yep.
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