Re: Joint Macy's Delinquent
... Surprised this is issue!
11-15-2012 11:45 AM
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...
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting