<prompt> Human: Bit of a story here: My credit sucks, BAD. I was trying to work on it, got an apple credit card, made the minimum payments. Could not pay it off in the promotional time, so there goes all the extra fees. Since then, my husband has become disabled and unable to work, I have a part time job for the 5 of us. I was trying to do the right thing and make payments on this card, but the plan they have me on, pay 26 monthly, the interest charges are 13 monthly. I feel like I am going nowhere. Should I keep on keeping on, or stop paying, let them charge it off and further ruin my ridiculous credit. But the interest will stop piling up. I dont really think it could hurt me anymore. Unless someone tells me otherwise... Please someone give me an opinion. Thanks.  <response>: Its not a payment plan. Thats probably their minimum monthly payment. Usually its 25 or 3 of balance or something like that. You can pay more if you can afford it and pay it down quicker. I dont know what your balance and APR are on the card but Im guessing its a high APR like 27.9 or something. If you owe 1000 and pay 26 at 27.9 its going to take 92 months to pay off. If you can afford to pay 50month it cuts it down to 27 months. Even paying 10 more a month will cut it down to 44 months.DO WHATEVER YOU CAN TO NOT ALLOW THIS TO GO INTO COLLECTIONS. 