<prompt> Human: I realize the following facts may cause some people to give me sanctimonious andor nasty replies, but need to get the relevant facts out and hey, its a throwaway.1 Im well off financially 2 I just bought a house and wont need significant credit for several years maybe at least a decade3 My total indebtedness is several million dollars, backed by significant real estate investments -- all on long term loans not subject to credit review4 I now have other financial needs and wont be buying any more real estate soon but am keeping what I have5 Have had some recent cash flow issues and could really use the extra 30K6 Card is not overdue -- I spent 30k this month on it renovating an apartment last one that needed it and other investments7 Several years ago during the financial crisis I had a dispute with a credit card company and was slightly late paying, they stupidly sent me an offer to settle a debt of about 30K for 15K, I accepted and saved 15k actually more -- negotiated down to 12k, totally worth the hit to my credit report8 Now have 30k due on a different account, thinking of just being a total asshole and not paying and doing the same. I can survive the hit to my credit.Thoughts? Advice? Serious replies only please and no moral judgements, etc. just solid reasons pro or con.  <response>: Mainly that the current credit card company may not be as stupid and may come after anyall of your assets to cover the full amount owed plus lots of penalties. 