Help. Is there anything I can do?

[costinj1129]

I will try to make this as to the point as possible:

 

A number of years ago, a lot of stuff happened and I ended up getting screwed over by family which caused me to run up a lot of debt. Then a couple of years ago, I had a high amount of debt on one of my American Express accounts. The catch with this account is that it has to be paid in full every month. So I was paying $1,000 a month to pay this card off, but because that wasn't the full amount, I was getting hit with a late payment to my credit score every month for 6+ months. I called and talked to them when this first happened and at first they told me, "Don't worry we'll have those removed in 3 months." Then after 3 months they told me, "I'm sorry someone told you that, we'll actually remove them when the card is paid off." Then I was told once it was paid off, "Those should be removed within the next 6 months." And then I was finally told, " I'm sorry you were told that, but we cannot do that." Or something a long those lines.

 

Long story short, my credit, which had previously been very good, has been crushed by a card requiring payment in full every month, even though I was paying $1,000 every month.

 

Is there anything that I can do about this?

 

Thanks

[cv91915]

Didn't you know that you had to pay off the balance every month? Why didn't you add the "pay over time" feature to your charge card?

[costinj1129]

Didn't you know that you had to pay off the balance every month? Why didn't you add the "pay over time" feature to your charge card?

I did know this when getting the card, but did not anticipate having such a high balance I couldn't pay it off. And I have used the pay over time on another card, and they penalize you for it, which is what's BS imo. Why offer an option that you are going to punish a customer for using?

 

I don't need to know what I should have done, because I didn't make a "bad purchase" or anything, I got screwed and had no option but to put this balance on this card. I need to know what to do now, if there is anyway I can repair my credit.