My settling means to settle on what is owed minus late fees, rediculous interest rates and over credit limit because they lowered my credit limit. That is what I mean by settling. I know what I owe, for I keep every receipt. I know what the balances were when I last used the cards. That is my settling. Well....That's a nice story, however the bottom line is that you and I and all the debtors out there know that the cc companies are around to make a profit...which means that we owe them interest for the money we borrow from them (if we don't pay it back in the grace period)AND we know that there are fees (usually ridiculously high fees) for going over the limit or not payin on time. In fact, we agree to all this (and sometimes more) the first time we go out, run the card through a point of sale and sign on the dotted line. If you or I or Joe Blow don't like the terms/interest rate or whatever, we have one quick easy way out of the deal - don't spend their money.Everyone's got a sob story. The point of a lot of the responders to your message is that this board is for those who have decided to stop sobbing and get busy working their hind ends off meeting their obligations. A better group you won't find....however their patience (and mine) is tested by those who would have us believe that they are "the special case" who shouldn't have to get down here with us...work like mad...scrounge like crazy...and do the right thing...it just won't fly around here.....may as well go sing that song somewhere else.calypseaus
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