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If you skip a month on a CC payment, they'll hit your account with a late fee. Might put your account in a "high risk" status, and then they up your interest rate. Now your minimum payments are much higher, because of the interest rate, and even IF you make the minimums, LESS of your money is paying down principal. two months, and you'd best have some windfall coming in somewhere to get caught up two months payments, all late fees, overage fees if you're now over the limit plus, even when caught up, you're still stuck at the higher rate and higher minimum payments. And at this point, they're turning your account over to collections. It be closed but late fees and overage fees continue to rack up. Interest stays at the maximum allowed by law. When it's seriously delinquent, you MIGHT be able to negotiate a settlement but likely, that's going to be at least half of what you owe or more, and they want it in one lump sum. BTDT. Unless you're about ready to file bankruptcy if your situation is that dire, DO NOT any CC payments! They eat you alive. fucking girls in Lingolsheim
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