I have so much credit card debt and don't know how I am going to pay it off
they had internet connection issues so it took longer than it should
no
Not sure about the sincerity of the situation but it was fun.
Hi Is anyone there?
user
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Hi there
assistant
Others
Hi I thought you were not going to show my anxiety level just increased while I was waiting for you
user
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Apologies,I have had issues with my connection which should now be resolved. How can I help you today
assistant
Question
I am having a panic attack . I have to come up with 100 by next week to meet my minimum charge on my credit card
user
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So you need to find 100, have limited time to do this and this is causing you anxiety as a result?
assistant
Restatement or Paraphrasing
yes it sure is
user
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Ok, I can tell you are really worried about this and want to find a way to remove the pressure from this situation
assistant
Reflection of feelings
yes any suggestion s
user
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Do you have any friends or family that you can speak to about this? If they were aware of this issue and how much it is affecting you, they may be able to support
assistant
Providing Suggestions
They are swamped with their own bills and we live pay check to pay check
user
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Have you tried contacting the credit card company and explaining your situation?
assistant
Providing Suggestions
No I haven't but if i don't pay minimum I will get 24% interest penalty
user
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that seems excessive. I had a similar situation happened myself once and what I did was transfer the balance of one of my cards onto another.
assistant
Self-disclosure
It is the truth thats why I try to pay off in full but there was such a great deal but thats a great idea and would give me a little extra time. Thank you . I think Ill go google credit card offers
user
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do you think the credit card company has acted irresponsibly?
assistant
Question
no I knew the terms when I signed up a year ago
user
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even so you may be able to refer this situation for review to a financial regulator.
assistant
Providing Suggestions
I like your idea of transferring to lower interest one
user
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You can review your rights online as a consumer to see if you are offered any protection under law or legislation.
assistant
Information
okay Ill go check it out. thank you.
user
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I'm confident that you can handle this and have every faith that you will reach a resolution
assistant
Affirmation and Reassurance
thank you . Keep safe and have a good night
user
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