> Technically someone can have complete ability to pay back their credit card debt, yet they might miss a credit card payment (like I did last year because I wa

> Technically someone can have complete ability to pay back their credit card debt, yet they might miss a credit card payment (like I did last year because I was out of the country due to a personal reason), yet that is counted against me. I am not sure if you have this capability but have you tried auto-paying the minimum balance?