收到了ADI的offer，求建议。# EE - 电子工程
l*a
1 楼
比如说我现在有1万块钱的credit card balance，但是出现经济困难，有没有可能跟银
行谈个deal，一次性付2千块钱把这个欠账给settle了？
假设我不用考虑settlement给我的credit score的影响。
就是下面网页上讲的这个操作。想问问有没有人做过？
http://beginnersinvest.about.com/od/creditcarddebt/a/negotiate-
If you declare bankruptcy, it is possible that the entire credit balance
will be wiped out because credit card debt is known as unsecured in most all
cases. That means that it isn’t backed by any specific collateral, just
your promise to repay. (A mortgage on your home, in contrast, is secured by
the real estate and failure to pay can cause the bank to seize the asset to
recover some of, if not all of, the loan balance.) This would be the worst-
case scenario for the credit card company.
If you have missed several payments already and your credit score has been
hit, all it takes is a series of phone calls to the company explaining that
you are seriously considering bankruptcy but you want to avoid that. You
want to make good on as much debt as you can but, frankly, you don’t know
if it’s possible. Then, offer to pay off 25% of your credit card debt
balance over the next few months in exchange for the company freezing
interest costs and closing the account.
行谈个deal，一次性付2千块钱把这个欠账给settle了？
假设我不用考虑settlement给我的credit score的影响。
就是下面网页上讲的这个操作。想问问有没有人做过？
http://beginnersinvest.about.com/od/creditcarddebt/a/negotiate-
If you declare bankruptcy, it is possible that the entire credit balance
will be wiped out because credit card debt is known as unsecured in most all
cases. That means that it isn’t backed by any specific collateral, just
your promise to repay. (A mortgage on your home, in contrast, is secured by
the real estate and failure to pay can cause the bank to seize the asset to
recover some of, if not all of, the loan balance.) This would be the worst-
case scenario for the credit card company.
If you have missed several payments already and your credit score has been
hit, all it takes is a series of phone calls to the company explaining that
you are seriously considering bankruptcy but you want to avoid that. You
want to make good on as much debt as you can but, frankly, you don’t know
if it’s possible. Then, offer to pay off 25% of your credit card debt
balance over the next few months in exchange for the company freezing
interest costs and closing the account.
