Barclay/Juniper Visa - Closed Acct w/balance

[Psylence]

Currently,

I have a CONSUMER CLOSED Juniper Visa with a balance of $934. First opened June 2008.

30 days late 60 days late 90+ days late

2 times(Jun 2009)

2 times(Sep 2009, Jul 2009)

1 time(Aug 2009)

I have been paying on time since Oct 2009 and am current. Should I pay off the $934 in full & let it post to myFICO? Or continue to make monthly payments? I've called Customer Service & Credit Analysis, they stated that since I am not Past Due that I cannot lower the 27.4% interest rate nor can I set up a payment plan/negotiate. I just want this to be over & done with so I can continue gardening.

[Creditaddict]

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@Psylence wrote:

Currently,

I have a CONSUMER CLOSED Juniper Visa with a balance of $934. First opened June 2008.

30 days late 60 days late 90+ days late

2 times(Jun 2009)

2 times(Sep 2009, Jul 2009)

1 time(Aug 2009)

I have been paying on time since Oct 2009 and am current. Should I pay off the $934 in full & let it post to myFICO? Or continue to make monthly payments? I've called Customer Service & Credit Analysis, they stated that since I am not Past Due that I cannot lower the 27.4% interest rate nor can I set up a payment plan/negotiate. I just want this to be over & done with so I can continue gardening.

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If you can pay in full, I don't even think it's a question... you are currently are getting double wammy, 1. a closed account with balance 2. a 27.4% interest rate!!