Which CC are the easiest and which are the hardest?

Capital One is one of the worst from experience.

Household Bank worked very well with me. I am out of work, had surgery and have cancer. I really didn't have to say anything to them and they sent me a pre-charge off settlement for almost $180 less.

Make sure you get something in writing and save it. I did pay off my capital one card and 2 months later, they sent me another bill for the annual fee. I called them and didn't pay it and they kept sending the bill and adding to it. I paid it off 6 months ago and closed the account and they fail to show it on my credit report. They really yank you around to try and get late fees on you.

Household bank shows it as paid in full- settlement.

as far as the other companies, I am unsure.

Bank of America would not work with me and sold my account to a collection agency. Chase turned my account over to some very rude collectors that called and cursed my son and told his wife all of my business, which both are fdcpa violations.

You are absolutely correct Guest. They have succeeded in giving you cause for civil action. If you wish to file suit you may wish to contact a consumer attorney in your area. If you need help locating one you can try naca.net to start your search.

The hardest one for me was MBNA. They have taken me to court and won a judgement against me even though I could prove (even the so called "Nat. Arbitration forum" said they did) violated the Fair Debt Collection Act. They had called my work after being told I could not take calls, called me on my cell phone, called by relatives and asked personal info about me while disclosing that it was about a debt, tried to get info about me using my former married name (which I haven't used in 20 years) and am remarried. Disclosed to a person in my home about the debt, kept calling me after cease and desist letter, it goes on and on. I am at a lost and will be filing bankruptcy beacuse I have no other choice. MBNA is the worst most untehtical company out there and I hope that someday they go down in flames

MBNA is now owned by Bank of America. Doesn't look like they're going any where any time soon or in the future.

OMG Capital One has got to be the worst. Even my bank said they were terrible. I was trying to get a loan last year to pay them and three other creditors off and of course could not get one due to my credit being shot. I am dealing with them right now and it has not been pleasant.

My original balance was for 4400.00 and after about a year they settled for 700.00 even. That was with Bank of America. Hope this helps