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Creditaddict
Posts: 18,820
Registered: ‎10-23-2007
Re: Joint Macy's Delinquent... Surprised this is issue!

LesWH wrote:

That actually makes sense to me.  A payment plan requires a new contract so to speak, that would be binding on all that are on the card.  You can't agree for the joint holder to go into a payment plan.  If I were you, I would just send what I could.


If it was something like Student Loans I might agree, but sending payments that don't even cover minimum payments with an unsecured "loan" as this is I don't "think" that would stop it from increasing balance and very shortly charging off and sold to a collection agency who then may put on or start putting on it's own fees to be paid on...

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