Citibank Card 146 Days Past Due-HELP!
I have a Citibank Mastercard that 146 days past due. The total balance is $2278.9. The minimum amount due 7/11 is $1,189.79. For the past year I've been paying them $60 a month. They keep calling but I don't answer. Today my husband got a hang up call from "Unavailable" which Citibank calls from (I only know this because I mistakenly answered once the "unavailable" but got scared & said I wasn't available).
I don't want my husband to find out about this debt. I can only afford $60 a month to Citibank.
Each month I do get an email saying that "No matter what my situation, they are sure they can help".
I should call Citibank & discuss this with them, but I'm afraid its too far gone.
Has anyone dealt with Citibank in trying to set up payment arrangements??
Are they easy to work with?
If one rep declines, would it pay to call back & get another rep and see if they can help?
All I know is I don't have the money, but I am willing to pay $60 a month. I have a baby & its hard to make more than $60 a month payment.