{"id":298042,"date":"2010-02-09T10:00:15","date_gmt":"2010-02-09T15:00:15","guid":{"rendered":"tag:consumerist.com,2010:\/\/1.10001527"},"modified":"2010-02-09T01:52:56","modified_gmt":"2010-02-09T06:52:56","slug":"consumerists-how-do-i-deal-with-credit-card-companies-now-that-ive-lost-my-job","status":"publish","type":"post","link":"https:\/\/mereja.media\/index\/298042","title":{"rendered":"Consumerists, How Do I Deal With Credit Card Companies Now That I’ve Lost My Job?"},"content":{"rendered":"

<\/p>\n

Newly unemployed, credit card debt-carrying Lilgaladriel wants some advice on how to deal with the credit card companies. He writes:<\/p>\n

So I’ve recently become unemployed, and I have 2 credit cards that I’m paying off — one with Chase and one with Discover. I’m already on special payment plans with both of them in which the APRs have been decreased to about 12% and and further purchases are blocked. (FYI, my balances are roughly $6,000 with one card, and $4,000 with the other.) I’m wondering what would happen if I called the companies and told them that I’m now unemployed? There’s no way I’m going to be able to make any more payments until I find a new job; I have absolutely no savings at the moment — saving hasn’t been at all possible for me to do. What do most people do in this situation? Are the CC companies going to tell me to suck it up?<\/p>\n<\/blockquote>\n

Advice — solicited or otherwise — is what Consumerists do best, so have at it. What are Lilgaladriel’s wisest moves to avoid drowning in payments?<\/p>\n","protected":false},"excerpt":{"rendered":"

Newly unemployed, credit card debt-carrying Lilgaladriel wants some advice on how to deal with the credit card companies. He writes: So I’ve recently become unemployed, and I have 2 credit cards that I’m paying off — one with Chase and one with Discover. I’m already on special payment plans with both of them in which […]<\/p>\n","protected":false},"author":4514,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-298042","post","type-post","status-publish","format-standard","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/posts\/298042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/users\/4514"}],"replies":[{"embeddable":true,"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/comments?post=298042"}],"version-history":[{"count":0,"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/posts\/298042\/revisions"}],"wp:attachment":[{"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/media?parent=298042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/categories?post=298042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/tags?post=298042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}