My credit union credit card was just informed I'm not in the credit union. They are giving me 45 days to opt out in which I can pay off at the rate I have been paying off. But the account will be closed.
Or i can keep it and pay variable apr. (18%?)
I owe 12,000.
My fiance is willing to lend me some $ to offer a lump sum payment.
What should I do?
I have never had to negotiate a lump sum payment.
Also I am reading to get it all in writing and ask that they delete the item from my credit report. How do I ask them to do this in a way that will work to my benefit?
Do I just take the first offer or can they go lower than that? Do I go over the head of the first person I talk too?
Thanks.



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