Sorry, cant type chinese on PC. Look, it's a little more complicated than that... First, you need to know how credit rating works. Based on your financial situation, how long can you pay off the debt? If it takes forever, you need to decide if you want to negotiate with credit card companies now or later... The last resort is stop paying them (even try to charge/borrow as much as you can) and then negotiate with them after your accounts become delinquent - you will save lots of money this way but your credit rating will suffer for 4-7 years depend on the negotiation and how well you rebuild your credit from ground zero. On the other hand, if you can't or merely keep up with the payments, your credit rating will be in dumpster forever like it is today - so what's the point of pay these loan sharks in full payment? Because you are so irresponsible with your credit card, you might be better off with 0 credit until you learn how to be more financially responsible. In summary, you really need to do some research to understand the situation...
Another thing you need to consider is how your credit history might affect your job search (No worries if you are in NY state because NY already banned employeer from digging the applicant's credit report). 作者: diudiugggggg 时间: 2017-5-27 15:04
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