How to negotiate credit card debt with credit companies

Here at MoneyFor, our goal is to help you make informed financial decisions. We are committed to accuracy and impartiality in all our content. It’s important to note that articles may reference products from our partners who compensate us. This influences which products we feature and their presentation on our site, not our evaluation.

Key takeaways

Negotiating can significantly reduce what you owe and make payments manageable, but it can negatively impact your credit.
A workout agreement or hardship program can make payments more manageable.
The right option depends on how much you owe, your ability to make regular payments, and your credit score.

Negotiating credit card debt can be daunting, but it can also help you get back on track. According to TransUnion, American credit card debt reached $1.115 trillion, with the average American owing $6,295 as of January 2024. The average APR (annual percentage rate) hit 22.63% in February 2024, according to the Federal Reserve.

More people than ever are looking for a way out. Negotiating with credit card companies for lower monthly fees or settling balances can feel like the only option. Before you go this route, it’s important to understand how the process works, the potential consequences, and what you can negotiate for.

Why credit card issuers agree to negotiate
What is credit card settlement?
Credit card settlement options
When to settle your debt
Negotiate reduced payments vs. debt settlement
How to negotiate credit card debt settlement yourself
Alternatives to debt settlement
Debt management program vs. debt settlement
How settlement affects your credit
Bottom line

Why credit card issuers agree to negotiate

Credit card debt is unsecured. This means that when you can’t pay your bill, the credit card company cannot seize your assets. Yes, there are consequences, but they don’t affect your immediate well-being. So, when money is tight, these bills are typically the first to go.

Companies know this and want to get paid. The more bills you miss, the less likely you are to pay. Creditors can take legal action or sell accounts to collection agencies, but both options are costly. It can be in their best interest to negotiate with you and recoup a portion of the amount owed rather than nothing at all.

Customer retention is another reason. Financial institutions prefer to maintain positive customer relationships and avoid negative publicity associated with aggressive collection practices.

Are overdue accounts causing you stress?

Click here to find out what to do with delinquent debt.

What is credit card settlement?

Credit card settlement is when you pay off your balances for less than you owe. Either you or a debt settlement company negotiates with the issuer to pay a reduced amount at once or set up a repayment plan. The idea behind both is to pay off your balance for less than the full amount owed.

How much you can negotiate for varies widely. Typically, settlements range from 30% to 70% of the total due. The exact amount depends on factors like your financial situation, the account’s age, and the creditor’s policies.

Do you have an unpaid account?

Check how to handle a delinquent account.

Credit card settlement options

Learning how to settle credit card debt can provide significant financial relief and help you regain control of your finances. There are three main types of settlement. You can negotiate a lump sum payment, workout agreement, or hardship plan.

Lump sum payment

A lump sum settlement for credit card debt is when you settle your balance by making one big payment for less than the total amount owed. This is also known as paying off a credit card at a full discount. You can either negotiate yourself or hire a debt settlement company to do it for you.

Often, the credit card company will agree to accept the principal amount and forgive the accumulated interest and fees. For example, say you owe $8,000. The card issuer may agree to a settlement of $6,500 (the actual money you spent) and forgive the rest.

For the creditor to accept a settlement, you must have the cash on hand. They will want to receive the money immediately in exchange for agreeing to a lower payment.

It can be appealing to negotiate a settlement and pay off your balances for less. The problems are that you must have a substantial amount of cash saved, your score will suffer, and the forgiven amount is considered taxable income.

Workout agreement

A workout agreement is when you permanently negotiate terms to make monthly payments more manageable. Your creditor may agree to lower your interest rate or waive it altogether. They may reduce the minimum monthly payment or forgive past late fees. They also may lower the amount of available credit you have or even close your account.

Workout agreements are beneficial if you have a steady income but struggle to keep up with the monthly payment due to accruing interest charges or fees.

Negotiating a workout agreement can be beneficial to your credit score, as long as you make your newly negotiated payments on time.

Is your credit card debt becoming unmanageable?

Find out how you can stop paying credit card debt!

Hardship program

A hardship program, also known as a forbearance, is an option if you’re experiencing financial difficulties due to unforeseen circumstances. Job loss, medical emergencies, divorce, or other significant life changes qualify. If you happen to be in this situation, please call your credit card issuer right away and ask what you can do before you start missing payments.

You may be able to negotiate lower interest rates, suspend fees, or reduce the minimum payment temporarily. Some may even let you skip a few payments.

Hardship plans have a deadline. They are short-term solutions lasting anywhere from six months to a year. To qualify, you will need to provide documentation of your financial hardship. These programs can prevent your account from going into default, your score from suffering, and relieve stress.

When to settle your debt

If you have large card balances, the solution may be to negotiate a settlement. Consider your full financial situation and what you can afford to pay. Take a look at how much you can settle for to decide if one large payment is feasible.

Settlement may be a good idea if you are:

Struggling to make minimum payments
Facing mounting interest charges
Unable to pay off balances in a reasonable timeframe
Receiving persistent collection calls
Able to make a large payment at one time
Dealing with short-term financial hardship

Negotiating a settlement can help you pay off what you owe quickly, but it’s not without consequences. It damages credit scores, but less so than ongoing missed payments or bankruptcy.

Go to MoneyFor to learn more!

Negotiate reduced payments vs. debt settlement

When you want to negotiate with creditors, you have two main options: reduced payments or settlement.

Reducing your monthly bills can make them manageable and set you on the right track to paying off your balances. This is a good route if you have a track record of on-time payments or are facing temporary financial hardship. Creditors are more willing to lower interest rates or waive fees if they know you are highly likely to pay them.

Settlement is a more drastic solution. You will only be able to negotiate this if you are already behind on your payments and creditors are desperate to be paid something.

If you choose to negotiate a settlement, you will likely save money but hurt your score. Negotiating lower costs is the better solution if you can afford consistent payments.

How to negotiate credit card debt settlement yourself

Knowing how to negotiate with credit card companies to reduce your balance can help you pay what you owe effectively and potentially save hundreds or even thousands of dollars. To get started:

Gather your documents and prepare
Know what you want to ask for
Call your issuer
Get everything in writing

Let’s go over how to negotiate.

Assess your debt

Take a close look at your personal finances. Gather all your statements and calculate the total amount owed, your monthly income, and essential expenses. Confirm your interest rates and fees. Then, figure out what you can realistically afford to pay.

Next, decide what form of relief you want to negotiate for. Knowing “how much can I settle a debt for” can give you the confidence to enter negotiations and seek the best possible terms.

Call your creditor

Now it’s time to contact your credit card company. Be prepared to explain your situation and why you cannot meet the current terms. Stay calm, polite, and persistent. You may have to call back several times or ask to speak with a supervisor.

If you’re thinking about bankruptcy, let them know. It may make them more willing to negotiate.

Take detailed notes of each conversation. Write down the names of the representatives you speak with and the specifics of what was discussed.

Ask about hardship programs

Many companies offer programs for customers experiencing financial difficulties. You may be able to reduce interest charges, waive fees, or lower your monthly payments temporarily. Ask your card issuer if you qualify.

Negotiate a payment plan

If you don’t qualify for a relief program or the available programs don’t meet your needs, request a more manageable payment plan. This could involve extending your repayment period, reducing your interest rate, or negotiating a settlement if you have some funds available.

Get everything in writing

Once you reach a verbal agreement, ask for documentation. For the deal to be legally binding, you must get it in writing. Also, ask about the consequences of missed payments. Some companies will revoke a deal if you’re late with a payment.

If negotiating on your own feels overwhelming, consider having a third party negotiate on your behalf. Credit card debt settlement services negotiate with your card issuer to reduce the total amount owed. These companies can often secure more favorable terms due to their negotiation experience and established relationships with creditors.

Worried about being sued?

You can fight if sued by a debt collector!

Alternatives to debt settlement

If you’re wondering how to lower credit card payments but don’t want to negotiate, you do have other options. Two popular choices are consolidation loans and debt management plans.

Debt consolidation

A consolidation loan involves taking out a new personal loan and then using that to pay off multiple credit cards. You end up with one monthly payment, ideally with a lower APR.

A similar solution is a balance transfer card. This is when you consolidate balances onto one card with a low promotional APR. If you have a good credit profile, you may be eligible for balance transfer offers.

Consolidating your balances can be a powerful tool for credit card reduction, making payments easier and more affordable.

Debt management

A debt management plan (DMP) involves working with a credit counseling agency. The agency will negotiate with creditors on your behalf for a lower interest rate and waived fees. You then make one lower monthly payment to the agency that distributes the money to your creditors. A DMP will help you pay what you owe over three to five years and establish a positive credit history. One catch is that you will have to close your credit accounts and rely on cash or a debit card.

Drowning in debt?

Debt management program vs. debt settlement

The best way to resolve credit card debt depends on your personal finances. If you can afford to pay a reduced amount each month for a DMP, then this is the better option. You will save money and do less damage to your score.

Settlement is tempting but costly. Most debt settlement companies ask you to stop making payments. This will damage your score greatly, plus there are tax implications and potential fees. Debt settlement companies charge fees of 15% to 25% of the original amount owed, eating into your savings.

Choose the method that fits your finances and negotiation skills.

Tired of collection agencies calling?

Learn how to pay off debt in collections.

How settlement affects your credit

Workout agreements and hardship plans do not hurt credit scores much as they depend on continuous, on time payments. Your score may suffer initially if the creditor closes an account or lowers your limit.

A lump sum settlement is a different story. For the company to accept a reduced amount, you must be behind in your payments. Missing a single payment can drop your score by as much as 100 points. Stopping paying altogether will significantly hurt your score. A note will also be added to your credit reports showing that the account was “settled for less.” This negative mark will stay on your credit reports for seven years. Additionally, any forgiven debt over $600 is considered taxable income by the IRS.

Frequently asked questions

1. Will credit card companies forgive debt and settle for less?

Yes, companies may forgive part of your balance and settle for less. To negotiate a settlement, you’ll need to demonstrate financial hardship.

2. Does negotiating debt hurt your credit?

It depends on the deal you negotiate. Settling for less than the full amount is viewed less favorably by the major credit bureaus. Entering into a payment plan and paying bills on time can help your credit.

3. Can you call a creditor and negotiate a settlement agreement?

Yes, you can negotiate a settlement yourself or work with a settlement company. Start by explaining your situation and inability to pay the full amount. Be prepared to offer to pay a reduced amount at once or agree on a payment plan.

4. Can you negotiate a lower payoff amount on a credit card?

You can negotiate a lower payment. Contact your credit card issuer and explain why you cannot pay the full amount. They may agree to a single reduced payment or a structured payment plan.

5. Will credit card companies work with you to negotiate a deal?

Creditors are often willing to negotiate with you. They may offer to reduce your interest rate, lower monthly bills, or even settle for a lesser amount. Contacting them proactively and explaining your situation can increase the likelihood of reaching a favorable agreement.

Bottom line

Credit card debt can be overwhelming, but avoiding it will only worsen it. High interest card balances can easily escalate and grow out of control. The best way to settle credit card debt depends on your personal finances. Before you pick up the phone to negotiate, get credit counseling. A credit counselor can help assess your personal finances and point you in the right direction.

If you decide to negotiate with your card issuer, know what you want and come prepared. Once you have your agreement, honor it. Negotiating can be stressful, and it’s not without risks; it can bring sweet relief.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC

6. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

7. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

8. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

9. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

10. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

11. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

12. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

13. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

14. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

16. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

17. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

18. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

19. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

20. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

21. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

22. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

23. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

24. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

25. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

26. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

27. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

28. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

29. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

30. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

31. Tipping or not tipping has no impact on your eligibility for SpotMe®.

32. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

33. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

34. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

35. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

36. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

37. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

How to Negotiate Credit Card Debt