prompt: How long can I go without paying a credit card bill before they write it off and stop trying to collect it?
chosen: How long can I go without paying a credit card bill before they write it off and stop trying to collect it?
chosen: user
chosen: Credit card companies have a grace period of at least 21 days before they report the late payment to the credit bureaus and begin collections. After this point, the credit card company may be able to still collect on the debt, but there are limitations. It is usually limited to a debt amount of no more than 5% of the person’s credit limit or $50, whichever is less. Once the amount exceeds $100, the credit card company must take action to collect the debt in court, which could take some time.
chosen: assistant
rejected: How long can I go without paying a credit card bill before they write it off and stop trying to collect it?
rejected: user
rejected: assistant