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I use privacy dot com cards I can turn off in a single click
by whamlastxmas 1y ago
I use privacy dot com cards I can turn off in a single click
- apwell23 1y agodoesn't stop it from being sent to collections. wtf are ppl downvoting this. i had it happen to me.
- derwiki 1y agoI guess not; but I also use Privacy.com cards and have never ended up in collections when I pause a card to cancel a service.
- rsanek 1y agoonce something is in collections, you can negotiate to pay a fraction of the original price. it's actually harder to do so before then. or, you can just not pay even through collections. rarely does it impact credit score (much). lots of kinds of debt even legally can't (eg <$500 medical debt)
- apwell23 1y ago> you can negotiate to pay a fraction of the original price. what gives you the negotiating power ? they can simply dock you on your credit report. thats what comcast did to me. they didn't care about negotiating
- hexyl_C_gut 1y agoI think that is how collections work. When a business can't get you to pay they sell the right to collect it to another "collections" business (let's call it Y). Y pays a fraction of the amount owed for the right so even if they can get you to pay like 25%, they are still making a profit.
- apwell23 1y agoby that logic i should let every bill go to collections?
- 93po 1y agothis assumes you're using it for a service that has your name/address/birthdate/social. i use it for stuff like scammy dark pattern photoshop trials, and i can use a fake name and address. i wouldn't use it for stuff like utilities or gym memberships that absolutely send stuff to collections and they deliberately collect your information to be able to do so
- fuomag9 1y agoThat service doesn’t exist in Europe unfortunately, I have to use Revolut for that