Reply #81: Sure, when that's possible

[Orrex]

And it may be irresponsible, but it may also be unavoidable.

One of my two cards just doubled my monthly payment, making it extremely difficult for me to meet the minimum. So if I miss a payment again, they up the minimum again, and it becomes even more difficult to meet. Ad infinitum.

When I called to cancel the card, I asked if some alternative payment plan was possible, and I was told that the payment is standard according to policy based on this & that, and there's no other option, and blah blah blah.