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Although I definitely understand that the amount that I owe Merrick Bank is figured into my UTIL I'm wondering whether or not I should PIF.... Would it make a difference?? They've declined PFD every time I sent them a letter (once a week since January!) My actual balance with them is $470 but it usuallydoesn't update until @ the 18th.
My BF tells to to just continue paying them at least the minimum so that it can continue showing as Current or Paying as Agrees.
Tell me what you think guys........ PIF or Just pay the $16/mth....
This is what it looks like........
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