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Discussion in 'Credit Talk' started by janritch, Aug 5, 2003.
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Sure, you can send it. No, they don't have to listen to it.
You entered into a contract with them. You violated the terms of that contract by going over the limit. Right now, they could close your account and demand immediate payment in full. Apparently, they're being nice to you by not expecting the entire over-the-limit balance immediately.
If you don't want to ruin your relationship with them, you probably want to be nice to them.
If your finances are so tight that you cannot pay down $450 any faster, you might want to consider temporarily getting rid of other bills until you pay off the $450. (internet access, cellular phone, cable tv, etc)
I have already closed the account.
Well, then they could turn it over to a collector, or sue you for the balance due. They could also put some pretty negative stuff on your credit report.
The obvious solution is to pay them off as soon as possible. Do whatever it takes, within reason. Don't borrow the money... just look for ways to cut back on your expenses.
You can. but they are not bound by it. FDCPA doesn't apply to Original Creditors.