My wife had her hours cut. I took on a second job. We were proud that were working hard to keep our heads above water after medical bills almost sank us. We moved a large balance to Chase for their touted “Lifetime Low Interest.” It helped. We’ve never missed a payment, never been late and were making progress..finally..after 2 years. We have a 3 year old and are on a tight budget. Our minimum payment just went from $200 to $500 a month. Instantly. We simply don’t have that money. We would have in a year or so as our hard work... read full review »