Citi, no payment plan option

call them back and ask to talk to a manager.. I know they do have plans cause I was on one for a while with them.

I just talked to citi
they called me

offered all 3 of my cards (about 27k) a 12 month 0 % interest Hardship program

Its not a bad hardship program actually, but my goal is to settle

Thanks for the info. I'll call them again and see what happens.

I also have a hardship program with one of citi cards.

Are you late yet? If you haven't missed a payment they usually won't do a program. But as soon as you do they usually will start negotiating.

Current with all accounts. All others I was able to lock around 6% APR if I close my account except CITI. Back in July they lowered it to 15% for 3 months and then went up to 29.9 and I just noticed it. They said they sent me a notice about the increase.

My credit score took a beating from closing all account and I'm trying to just avoid settlement. Got my overall debt from 125,000 3 years ago to little over 60,000 now.

First call them and close the accounts. They will ask why. Tell them your financial troubles and that you will be unable to make any future paymants for the forseable future, that all of your funds are going to those who mahe deals or are secured. They will change their tune very quickly.

I just basicely voided my hardship deal with them, they had dropped my interest from 29.9 or some outragious amount like that down to 9.9. When they come back with 0% or a deal we will talk again.

Citi put me onto a 5 year payment plan at a fixed 0% apr paying $195 per month until it's paid off. And they are cancelling the past 6 months of fees, which comes out to over 3k. Awesome arrangement for me since I couldn't afford to settle!

TRauma what did you owe them( minus inflated fees)

i also had my trouble with Citi...they are ones who wouldn't work with my consolidation company and took me to court. i would never do business with them again.

it was approx 11k. they agreed to deduct the 3k+ in fees after the 60 months was up :) (btw this was at almost 180 days, they gave me a 30 day warning that they were going to charge off the account..)