Chase has low interest Hardship program Ask Me Help Desk > Money Services > Credit > . Does Bank of America?View Full Version : . Does Bank of America?I was able to enroll in the Chase credit card "Balance Liquidation Program". This closed my account and gave me a fixed monthly payment. The balance is to be paid off at 2% interest over a 5 year period. This is a hardship program based on certain life events (divorce, nba jerseys death of spouse. I don t have the full list, if anyone does please give it.) Please note the Chase program I have has nothing to do with their "Payment Protector Plan" which is an option you pay for enrollment in that lets you defer payments for various reasons. The type of hardship program I was able to get with Chase seems to be a well moncler hooded vest kept secret. A Google search turns up almost nothing about it s existence as of the date of this post. Does anyone know if Bank of America has a similar program? I know I can call and ask them directly but I would like to know the name of the program and the terms and qualifications before I call. For the moncler logo benefit of others please post any information you have for the other major credit card companies as well. Nov 25, 2008, 09:48 AM Bank of America has a Hardship number 1 866 635 4311. Our interest rate was jerked up VERY high we were nt going to be able to pay. They lowered the rate back to the original 12% which is Moncler Women Coats Collar with belts Mid Length purple at least reasonable. He didn t mention a time limit. We received a letter and I missed placed it Thnk_youAug 15, 2009, 03:33 PM I don t know if Bank of America has this program; however, JP Morgan/Chase offered this to me after they arbitrarily raised my minimum monthly payment from $271 to $681 I Moncler Men classic T-shirt color pure white was never late with a minimum payment, nor did I ever miss a payment. Apparently they chose a certainly moncler parka jacket group of low rate, life of the loan, portfolios and then just raised the minimum payments. My question is this: in order to join this program, I must cancel my card and then the fixed rate at 2% stays for 5 years. a good financial deal, however, I am concerned this will effect my credit report/rating. Moncler MAYA Men Down Jackets Dark blue doudoune Does anyone know if this program is detrimental? It is obvious that JP Morgan/Chase is reducing their revolving accounts. does anyone know anything more about this?Sep 23, 2009, 07:20 AM Chase claims that they report the account as closed voluntarily by the customer with no negative comment or grey moncler jacket impact. Others have confirmed online that this is how it shows up on their own personal credit reports. There is one slight snag. your total credit and available credit will both be reduced; therefore your % of credit available will also be reduced, which is important if you have high outstandings vs total credit. They said moncler cap they raised it due to the economy. I told them I would file a Chapter 13 and not pay at all with that rate and they put me through the hardship line. They gave me a 6% fixed rate for 5 years with the agreement to close the account. I was thrilled since my balance was a revolving door with interest and finance charges each month. You tell them you took a significant reduction in income. they don t require any bank statements, etc. I was happy to work out an agreement that allowed me to make my payments, keep good credit, and actually be able to pay off my debt and have it go DOWN each month

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