Then if you contact them to complain about a past due or over limit penalty fee and attempt to have it reversed enough trying to maintain payments with 8% or even the 7.9 % interest that they are charging on your accounts. How are you suppose to afford the new payments now? It was horrible enough to manage before the interest skyrocketed. I believe debt reduction is a smart action to take.

Tags: attempt, contact, debt reduction, penalty fee, smart action