PayingForPastMe
Region: US
Tuesday 20 January 2026 05:10:01 GMT
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mommysomething :
I just told them I was going to file bankruptcy. They put my interest rate down to 0% lmao
2026-03-11 23:28:17
157
KT :
I called capital one and asked to lower my interest rate before I saw this video and they said absolutely nothing they could do. I saw this, called right back and asked about hardship programs and they got me set right up. CRAZY.
2026-02-17 22:43:37
178
Kim Richardson :
They denied me and reduced my utilization 😭
2026-01-20 11:15:12
383
Henhen :
Yeah every bank has financial hardship program, but they stay in your records at one point of time you had hard time to pay off. which hurts your auto or mortgage loan to be approved. If you have big amount like $10k to pay off. you can also hire a lawyer. They will negotiate with the bank and reduce it to $5k but credit card will close by marking it paid in full.
2026-01-21 00:40:09
0
Jedi Master Emelda :
capital one said no. Citi said yes
2026-02-12 20:47:34
34
Mackeroney :
next ask what's the penalty cause nothing is free in this country
2026-01-20 22:39:34
43
k8t :
mind as well just close the account, financial hardship means you can't afford the card and they'll stop giving you credit.
2026-01-20 21:20:03
11
La.Vero :
Chase said no even with hardship program 😭
2026-02-18 17:39:03
41
Driva Boy :
Don’t forget to tell ppl they have to close their accounts if this option is used
2026-01-20 16:01:53
73
Gummy Lunchable :
I went from 6,000 to 18,000 on my credit card and my interest stayed the same
2026-01-21 03:36:18
9
Lola debt-free loading… :
Omg I just did, they decrease the APR to 9% for 6 months
2026-01-21 19:16:30
23
Arie ✨ :
Just did this, it worked and I needed it! Thank you !!!
2026-01-20 20:54:35
17
Nancy Martinez Sanchez :
never what you say, but how you say it.
2026-01-20 13:11:00
47
Otter :
Capital One said no Discover said yes
2026-01-20 22:51:24
7
ski.brinner.midwife :
What are the cons of doing this? Will they not do credit limit increases?
2026-01-20 06:18:54
6
It’s Me :
Yes, but is your card still open? Hardship programs are always available, but you lose the card.
2026-01-21 02:22:05
7
Goaway187 :
Wording definitely matters because you failed to mention this isn't permanent. They'll drop rates for 12 months
2026-01-22 19:26:47
7
Funkoman77 :
Naw doesn’t work unless you close it down. Hardship closes the account. You could get and find a card with 0% transfer balance as well. Just saying lol
2026-02-04 22:49:07
2
jer_dontcare911 :
Chase could never they just wanna close them after going thru some reduced rate program
2026-01-22 01:36:21
7
Prince_661 :
Autopay. Statement balance. 0%
2026-01-20 20:24:34
6
feralafmamma :
I’ve asked for reduced interest rate due to my loyalty and my credit score as it has increased. Was still told no. So i said. I guess I’ll transfer it and cancel my card. Then they reduced it to 19% from the 29%.
2026-01-22 14:05:57
8
8179dlh :
Do they close your card?
2026-03-02 02:33:24
1
★🪶 :
WF doesn’t do this btw! a lot of institutions will lower the rate, but will also not allow future card usage and may require you to close your account.
2026-01-21 00:37:32
1
vidaconfabi :
How do you find out what you interest rate is now?
2026-01-20 07:29:42
2
LirpaFoldrey :
Did you have to do anything to prove you're having hardship?
2026-03-13 21:52:01
2
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