3 ms·

The reason they are asking you why you missed a payment is because creditors have hardship payment plans for people in certain hardships. They were trying to se

• dvtrn 8y ago
  "You should probably lead with that next time" is all I have to say in response to that. I'm far more likely to respond positively, even if ultimately I decline if they were to say "We have a program in place-if you think you're going to miss a payment that will help keep your account on track, would you like to enroll?" versus "Why were you late making this payment?" Of the two, when I went through that period of long-term underemployment, I only ever heard the latter, never the former. Such a curt and abrupt question to ask that comes across much more invasive than helpful.
  • astura 8y ago
    They tried to tell you that, you just didn't want to hear the message for some reason "We're asking because we want to do you a favor/we understand things are hard sometimes" There's more than "a program," creditors have different options/programs, etc. Special options exist for people who were effected by certain natural disasters. They probably would have offered to waive the late fee if you missed a payment because you were in the hospital or something. They were starting a dialog with you about your account status in order to work with you; no need to get all offended about it.