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Any way to stop monthly interest charges on balance of difficult child's unused credit card?
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<blockquote data-quote="Nomad" data-source="post: 596604"><p>I don't know...but MAYBE. (Note: Big maybe!) About 1.5 years ago....difficult child claimed (one just never knows for sure) that she got a credit card to this store because they asked her to apply for one because she was applying for a job there. When the card came in, she said she bought one thing and then left on her dresser and forgot about it. No one paid on it for months. Lots of charges accumulated. She said she hadn't seen it for months and it was probably stolen (she has some, let's just say "dishonest" friends). It was for a clothing only store and I did not notice any new clothing that difficult child had been wearing (still/one NEVER knows for sure). I called them up and told them the story. Told them that difficult child was on disability and was not working. And that should never in a million years been issued a credit card when she has no credit history, no job, is on disability, no savings account and no way of paying. Plus, she was forced to apply for the card and she didn't want it. I said I was a "relative," and would pay them a small portion of the bill if they dropped the entire matter and let it go. They AGREED, but said they would file a report on her credit. To myself, I said GREAT! Wonderful!!!! That is how we handled it. They KNEW it was a lost cause and to get any money was a win for them. I told difficult child that I would NOT be doing this again. She hasn't done anything like it again (one never knows for sure). I pray that she learned a lesson (you know...). Sigh. Bottom line...you can try to negotiate a partial payment to drop the matter...making it very clear to them that she is and will forever be unable to pay any of this bill/that it is a lost cause/and this is a one time and final offer. Make it clear that you are NOT responsible for her financial matters, but will do this as a favor/gift...this one time, etc. and it is their one and only opportunity to see ANY money from this account, a partial payment is better than nothing and you want the bills STOPPED. They are free to report HER to a credit agency (don't offer this, but they will say it...and so what/really). I was VERY polite, told it like it was and firm. Good luck with this.</p></blockquote><p></p>
[QUOTE="Nomad, post: 596604"] I don't know...but MAYBE. (Note: Big maybe!) About 1.5 years ago....difficult child claimed (one just never knows for sure) that she got a credit card to this store because they asked her to apply for one because she was applying for a job there. When the card came in, she said she bought one thing and then left on her dresser and forgot about it. No one paid on it for months. Lots of charges accumulated. She said she hadn't seen it for months and it was probably stolen (she has some, let's just say "dishonest" friends). It was for a clothing only store and I did not notice any new clothing that difficult child had been wearing (still/one NEVER knows for sure). I called them up and told them the story. Told them that difficult child was on disability and was not working. And that should never in a million years been issued a credit card when she has no credit history, no job, is on disability, no savings account and no way of paying. Plus, she was forced to apply for the card and she didn't want it. I said I was a "relative," and would pay them a small portion of the bill if they dropped the entire matter and let it go. They AGREED, but said they would file a report on her credit. To myself, I said GREAT! Wonderful!!!! That is how we handled it. They KNEW it was a lost cause and to get any money was a win for them. I told difficult child that I would NOT be doing this again. She hasn't done anything like it again (one never knows for sure). I pray that she learned a lesson (you know...). Sigh. Bottom line...you can try to negotiate a partial payment to drop the matter...making it very clear to them that she is and will forever be unable to pay any of this bill/that it is a lost cause/and this is a one time and final offer. Make it clear that you are NOT responsible for her financial matters, but will do this as a favor/gift...this one time, etc. and it is their one and only opportunity to see ANY money from this account, a partial payment is better than nothing and you want the bills STOPPED. They are free to report HER to a credit agency (don't offer this, but they will say it...and so what/really). I was VERY polite, told it like it was and firm. Good luck with this. [/QUOTE]
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Any way to stop monthly interest charges on balance of difficult child's unused credit card?
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