How long can I go without paying a credit card bill before they write it off and stop trying to collect it?
user
Usually, credit card companies have to write off a debt after 6 years. If the debt has not been paid for 6 years, they will typically stop trying to collect it.
assistant
How long can I go without paying a credit card bill before they write it off and stop trying to collect it?
user
In most cases, a credit card company will attempt to collect a delinquent account for a period of six years from the date of the last activity on the account. This could mean any late payments or attempted payments. However, each company has its own policies and regulations which can dictate how long they keep trying to collect an unpaid debt. If you are unable to pay your bill or if your bank account is charged off or written off, it can adversely affect your credit score.
assistant
How long can I go without paying a credit card bill before they write it off and stop trying to collect it?