Hiya,
My wife and I both have credit cards we have both ended up is OSI Collections. A few months ago, I had finally recieved a lump sum settlement which enabled me to catch up a number of debts, 2 of them paying off the credit card balance....I thought!
I tried to use my credit card the other day with the mind set of making small purchases and paying them off would start my credit on the right track.


