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 generally have a grace period of approximately 28 to 30 days before they consider a credit card payment to be late. After that, credit card companies may start charging late fees and apply penalties to the cardholder's credit score. If a credit card payment is more than 60 days past due, the credit card company will typically write off the payment and stop attempting to collect it.
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