<prompt> Human: Today I got an email from my CC provider after having my account be 60 days past due. I just started a new job that only pays monthly and I havent gotten a paycheck since November which meant my existing CC had gone long overdue and I owed nearly 5k. I contacted them and they were able to negotiate a payment plan despite the account being a charge card and keep my account currentavoid negative reports to the bureaus! Just wanted to share my success story that its better to contact and ask for help than just avoid the problem all together. They understood my situation and because I offered a very small payment for the next two months until I got income from my current job, they saw the goodwill offering as a positive and worked with me to ensure that my account didnt go into past due or bad standing. So lesson is, sometimes not all CCs are bad and if you just reach out to them you may be pleasantly surprised  <response>: You missed the other moral of your story: always have a decent size emergency fund. In the event of an interruption in your income for whatever reason, you can draw upon that emergency fund until you can get back on your feet. 