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? asked in Business & FinanceCredit · 3 weeks ago

HAVENT paid my credit card bill in 7 months so what is the next step?

I want to pay off my credit card bill I have been avoiding, but does this mean I will be paying 7 months worth of late fees as well? Would they drop the late fees? The lender is credit One bank. I owed them $730 the last time I paid them, paying only $35 a month. So how would I go about this? Do I tell them I can pay half right now? Do I not pay at all and wait for it to go to collections? Before you type nasty commentary, I don’t think it’s necessary. I know what I did was wrong and I put myself in this predicament. I am simply asking for advice on the FUTURE. 

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