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jchrisharris

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Can I request a reduced payoff from my credit cards without hurting my credit score?
I am about to receive a lump sum of money, but also about to lose my job. I would like to payoff my credit cards to improve my monthly cash flow. Is there any way to request a lower payoff amount, without it negatively affecting my credit score? I always pay on time, so the account is not considered in distress.

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Top Contributor
327 Contributions
97 People Helped

No.

Since you are not behind, there is no reason for the CC company to take less.

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