@divergenthood: Many people are losing their source of income. If your credit cards are past due and you are unable to pay them, a good option is to secure a payment plan with a lower interest rate to protect your score. The downside to this is that it closes the account by the bank upon payoff; however, that is much better than having a potential charge-off or multiple late payments on your credit report.

Chelsia Potts Ed.D.

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Region: US

Wednesday 23 September 2026 23:29:01 GMT