<prompt> Human: Ive had my moments with credit cards before. Ive made regular use of 0 APR stuff for leveraging costs like home renovations and such. Right before I bought my house, I had a credit rating of 804 2010. Made the mistake of using a Spirit Airlines BOA card as a balance transfer while between jobs and it had issues from the beginning. Never awarded miles, antiquated online payment system, became attached to my parents BOA bank account somehow Im 35 that they just could not detach no matter who I talked to. Ignored the card as I was getting ready to sell house and move on. Fast forward six months later, house sold, permanently traveling and enjoying life. Credit rating sits 604, no other debts, basically liquid, BOA account in collection. My attempts while abroad from US to negotiate go nowhere. I bring up the issues, they respond saying I need to pay, I refuse because of the issues I just told them and such. Honestly, I dont know what to do. Last time this issue happened was a Discover Mileage card with the same problem not issuing miles that I ignored in the middle of renovations to the same house. My credit took a big hit and recovered to 720s about 2-3 years later. I would really like to give a big middle finger to BOA, but I may need a decent credit rating in less than a year if I plan on sinking some of this hard earned cash into anything.Ive searched rpersonalfinance and cant find a similar situation where someone can pay off the debt but refuses for existing grievances and the damage already done. How far should I take this?TL;DR have an outstanding debt of 5k that I could pay off, already destroyed credit rating and in collection, I have gripes with BOA over issues like miles not awarded and they wont negotiate; on long term travel and willing to wait for my rating to rebound in a couple years like it did with a previous card, is this stupid?  <response>: Pay your bills. Easy as that. Were you expecting to get miles from a balance transfer? I doubt thats possible. At least thats what your post insinuates. Or did you have a balance transfer and enough purchases to qualify in your mind? Either way, doesnt forgive not paying your debt. Pay it off. 