No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
First question one would ask themselves before sending a PFD is: Is this outside my states SOL for legal action? If yes the longer it goes unpaid the better the odds of paying a smaller amount. Credit One rarely does a PFD. AS far as GW all you can do is keep trying at regular intervals. When I had bad stuff on my report letters went out once every 3 months, you can do whatever you feel is the right amount. Good luck