It is what it is.
I guess only the good news is that it's only jewelry.
Good luck getting back on your feet.
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I don't know how to say this without coming across as harsh... however having been through rough patches of late, I'm surprised that more CLs weren't closed down.
To put it in perspective -- If I went 30 days past due on my rent, I would be evicted... no iffs ands or buts... heck, they would probably start the proceedings at day 15 and not even wait the 30 days.
I recently had to go 30 days past due on my car. I was told if I went 60, I would be facing repossession. I also received a lovely letter that basically indicated that if it happened again, they would start the repossession process EARLIER than 60 days.
When we lost our house to foreclosure -- we were pre-foreclosure at 60 days past due and at 90 days were officially in proceedings had started... and that was a secured loan with a tangible asset they could come after.
I'm truly sorry for your financial struggles. I'm also sympathetic since I have been there and am slowly digging out of my own hole. If it is any consolation (and I'm sure it isn't), Jared sells crap jewelry! They truly do. I have taken some of it to pawn shops of late and when you have pawn shops telling you how bad the jewelry is and saying "let me guess... you got this from Jareds"... you know it is bad. Kind of makes the whole slogan "he went to Jared" take on a whole 'nuther meaning!
If you need to replace the CL for utilization purposes, Crown Jewelry has a no credit check program that will let you purchase something with a down payment and then supposedly report a 2500 CL for either 6 months or a year... can't remember which. I haven't tried it but with my utilization being maxed out... been tempted.
Hang in there! As you said, it is only Jewelry...
Heck -- I have an Exxon card that HAD a paltry 500.00 credit limit. I was 10 DAYS late paying the bill -- paid it off in full... but because I was 10 DAYS LATE, citibank lower my CL from 500 to 300... first time I had ever been late... we aren't talking 30 days or 60 days... 10 DAYS!!! Talk about being ticked!
As others have said, I'm very sorry you are in your own economic downturn... There by the grace of Dog go all of us... About the only cc company that will REALLY work with you -- and you have to be willing to call them up and explain the situation -- has been Cap 1... They have let me go 90 days past due and were on the brink of of closing my account but I was able to work out a payment agreement (and follow through on it) and they kept me. I don't know of any other card that would have done that.
Try to focus on the accounts you have left and as someone suggested -- pawn whatever you might have of value to make sure you can get caught up on minimums on any other accounts you have. It feels terrible to have to walk into a pawn shop... however, I do view them as a necessary evil and there are many in my area that are very good to deal with -- clean, safe, treated with respect and will do what they can to help you. However, again, you have to go in with the attitude that you aren't going to get anything CLOSE to what you paid -- especially for Jewelry.
You're in survival mode, now so you do what you have to do... it is just stuff -- it can be replaced when times are better... however, you have to protect yourself and what you have left of your credit profile NOW.
Good luck!!!
