I am full of questions- I had 2 cap one charge offs in 97 when I was stupid with my credit. would I have any chance with them if I suggested they reinstate my cards and I pay the balance as you would a charge card and be given back the cards? If so who there would I call?
No, but if you pay off your charge-offs and then write to PFB, they will open an account for you with idential terms w/ your old card to "give you a second chance". jmart
I would PFP first. Once Cap 1's CA contacts you, outline your plan. At least this will put your plan into the right hands right off the bat. Best regards, Mirage
I wrote thru planet feedback and was told to call there consumer advocate , Eugene cooke, Im scared to though, I dont have the cash on hand to pay off in full, but if credit was reinstated I could as a monthly bill, should I call and what does there consumer advocate do?
Call, he is easy to talk with, Ask that if you make monthly payments of ____ toward debt if the account can be re-opened once it is paid off.
