No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
It is not the legal duty to report. Only to report accurately.
I would DVboth AFS and NES.
Again, I appreciate the advice. I'm about to use one of the DV sample letters I found on the forum. But, I do not have any date for the CA's dunning letters (if I even received them) only account numbers. What should I do in that case?