Minimum Payment to CC

[ejny65]

OK, I have a little bit money left this month, and its not going to be even anything left in future, but it has this month. now:

1. Should I make a couple of minimum payments (citi & Discover are calling by the minutes now)

2. divide between all of them (but will be less than minimum for each)

3. Not to pay at all to none of them? (I could use it to change my car's tire or get some office supplies for business)

P.S. Not filed yet, making paperwork ready and file tax return, anytime in the next 6 month.
THANK YOU.

[lrprn]

If you are certain you are going to file and don't have significant charges or luxury items on the cards or advance payments in the last 90 days, then Option 3. Why throw away good money that you can use to fill in gaps in your own life?

Also I hope you realize that paying money to these vultures won't make your phone stop ringing unless you pay each of them everything that's due/overdue in full.

If the ringing is getting to you, get an answering machine, put a message on it that clearly identifies you, turn off the ringer, and get a pay-for-minutes cell phone and give that number to family and friends. Another option - put the phone under a pillow so you hear it ring softly and can check the caller ID. If you don't recognize the number, don't answer - let the machine pick up. Enjoy the peace and quiet