I've had an on-going credit debt with Dell for 6 years (4 computers for the house). The bills never seemed to go down even with more then monthly payments being made. Six months ago I called them and set up a pay off with no late fees if paying the minimum. My 2009 income tax refund arived in late January. I called again and spoke with an agent. I offered 25% then 50% then 75% to pay off and CLOSE the account. After 30 minutes explaining real medical issues that require co-payments and unpaid days off work and a cut in pay, I was able to get two late fees of $39 (ea) dropped off the bill for payment today. Woopie! I saved $78 on a $1594.96 bill. My final payoff was $1516.94. I'll put any future computer purchases on lay-a-way at Radio Shack from here on out. Dell wants the money from the interest! They love 25.99%!
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