When BOA doesn't want to help

[Brighterfuture85]

I called BOA cc to see if they would help by lowering my rate and they again said they would not. I am thinking about just missing my next payment at the risk that they will actually increase my rate to default.

 

Have you been able to get a reduction after missing the pymt?

 

Should I just stop paying altogether and see about settling the account instead? I hear people getting 65% reduction in just 3 months.

 

Is my credit going to be too messed up after this?

[killedbydebt]

they won't adjust your rate as long as you are paying them.

[Brighterfuture85]

they won't adjust your rate as long as you are paying them.

 

they won't be receiving another payment from me this month. I wonder If I have to stop paying my mtg and heloc with them aswell for them to take me seriously or I can get by by not paying on my cc only?

[killedbydebt]

they won't adjust your rate as long as you are paying them.

 

they won't be receiving another payment from me this month. I wonder If I have to stop paying my mtg and heloc with them aswell for them to take me seriously or I can get by by not paying on my cc only?

 

 

don't risk your house!