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Washington Mutual or WAMU is now part of Chase banks. All credit cards issued by WAMU are at this moment being handled by Chase. Negotiating the credit card debt is extremely feasible but might receive duration and repeated efforts. The way you negotiate your credit card obligation will change based on whether your consideration is in collection standing or if you are existing also trying to reduced your expenses. Negotiating for any decrease payment will require you to negotiate some reduced interest rate, whilst accounts in collection can be negotiated down in either interest rate plus balance.

Difficulty: Moderate

Instructions

1 Need a starting ground within thoughts before you phone to discuss your WAMU credit card debt. Begin your negotiation with paying the account off at 25 to 50 percent regarding the balance, if you are trying to settle any excellent collection debt. Figure from the monthly expense you may afford if you are current on the WAMU account, but need your payment reduced.

2 Look on your recent WAMU or Chase credit card assertion for the customer service number. The customer support amount is too located on the again regarding the WAMU credit card.

3 Call the customer support quantity and inquire to speak out by someone who can negotiate your credit card payment or account. You will likely speak to the person who answers the phone, although you can ask to be transferred to a boss if you are unable to agree to some negotiation that works with you.

4 Explain to the WAMU or Follow representative why you are calling to negotiate your debt. This may be that is you have lost your project, simply cannot pay, need to reduce your expense amount or want to settle the balance owed. Allow her know that you have any desire to take treatment of the account and give her your deliver. Remain kind and calm for the delegate.

6 Ask to speak to a supervisor or conclusion the phone call and try back at extra time if you aren't getting anywhere. Negotiations often take on several attempts previous to achievement.

References

Chase: website Has Moved Federal Trade Commission: Settling Your Credit Card Debts Federal Trade Commission: Facts for Consumers

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