OK..so I have a FIA card that I am no longer able to pay on. They raised my rate and my min so high that I cant afford it. My husband is self employed and he is barely working as he has about 25% of his normal clients due to the economy. That being said, my last payment on this card was made in August. It was for the bill due on 9/2. SO, the calls started coming in in October. I failed to make the payment due on 10/2.