The interest rates that I have are already pretty low - 9%, 10% and 13%. If I can't make the minimums then they are going to jack up the rates anyway. I was hoping that it was a good idea to be up front with them to avoid ruining my credit. I understand that I would barely be covering the minimums but, as I said in my original post, I just need to tread water for a while. Thanks for your input.
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