Credit cards The basics
The recession is hitting everyone; credit issuers understand that the best way to keep you repaying your debt is to work with you. * Be calm, concise, and polite. Start with a short summary of your situation, trimming all details but the facts that pertain to the question at hand and explaining what you are doing to solve your financial problems. Stay calm, no matter what. If the representative you are speaking to is not helpful, don't lose your temper at them, which will cause them to hang up and perhaps to put a black mark on your record.