Lee | Omni Financial Coaching
Region: US
Saturday 24 October 2026 14:16:06 GMT
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Jennifer38821 :
I did this and not one of our CC would help and we have NEVER made a payment late and the cards are nowhere close to being maxed out! These CC COMPANIES ARE HORRIBLE
2026-10-25 14:58:52
375
Healing with Jai 💕 :
I did this with my capital one.
2026-10-26 11:48:54
44
JasmineLynn85 :
CITI is the WORST!!! They say they have no options
2026-10-26 21:59:06
8
Sophiac701 :
If the card has already been in collections is this still an option?
2026-10-27 05:32:25
6
Halloween black cat 🐈⬛️ :
I did and still need help they will not help no more
2026-11-05 17:50:21
5
Citygalsports :
I did all this today with Citi. Was denied. Card of 12 years never had a late payment. They don’t care.
2026-11-06 06:21:16
6
divina0722 :
Hardship is good but be aware your account has to be delinquent before it is done which drops your credit
2026-10-29 16:37:08
14
Rebecca Lopez :
How about a senior mom paying on school loans?
2026-10-25 14:41:52
11
smooches1014 :
hi and thank you. Will this effect your credit score
2026-10-27 02:39:17
6
Jam727 :
Asked the bank the first question and they said they would freeze my card and I won’t be able to get it back and I have a decent cc with good benefits I don’t wanna lose 🤔
2026-10-27 19:59:24
5
Johana :
Bank of America said nope 😁 😭😭😭😭
2026-10-24 23:59:29
8
Flyguy19 :
I worked at cap 1 ain’t no lowering interest
2026-10-26 20:43:37
7
gabriel.holy :
They told me too bad 😭
2026-10-27 07:56:08
8
DaNae’s Hair Inspo 🎀 :
Thank you! I called WF and they are lowering my payment and interest for 12 months but the card is frozen during that period 🤷🏼♀️at least that will help so I don’t keep accruing debt
2026-10-28 16:45:01
5
arielwexler5 :
You may be a little out of touch…they don’t offer hardship plans anymore too many people in America are defaulting 🤣 I tried when I was out of work for 13 months.
2026-10-27 08:00:58
5
Afrikan Woo 💜 :
Thanks
2026-10-25 23:40:54
7
:
Switch it to a zero balance card
2026-10-27 00:14:35
6
💕Mz.Sasha🎀 :
Great info
2026-10-25 17:17:11
7
𝕸𝖆𝖗𝖎𝖆𝖍 :
I tried that hardship thing and there’s no such thing I landed in the hospital with heart issues and git behind on everything and they didn’t care was trying to make me a payment plan like they do even when it goes to collections
2026-10-26 00:08:35
6
Laniiii :
I’m lowkey embarrassed
2026-10-26 13:04:31
7
Rita@AmigasCreationsMI :
Yea but they usually freeze your account and I dont want that 😂
2026-10-26 02:34:03
9
Lyrica Orr Anderson :
I'm just going to stop paying them. I can't afford bankruptcy, I only have SS income and don't own anything. They can't get anything from me. all they can do is call me everyday and try to take me to court
2026-10-26 18:50:13
11
HeyMsV🥰 :
If your under the threshold go for the zero interest CC that comes to you in the mail.
2026-10-25 21:59:28
7
Angie :
I will
2026-10-25 04:01:52
7
aura ramon :
they lower my apr to 5% when it was 29% of course they close the accounts b ut I couldn't use them anyways and I can now see the amount coming down
2026-10-26 01:24:09
9
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