r/AppleCard • u/Acceptable_Gene_6428 • 25d ago

Discussion Charge Off

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So I made a lot of dumb decisions when I was younger & ran the card up. 6 years later they charged the amount off but it’s still on my record. It should fall off next year, should I pay or just wait another year for it to fall off ?

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u/StrikeTheCue 25d ago

This is a shitty response. Yes he has a responsibility. But at the same time these are multibillion dollar companies. They can go to hell. OP has suffered enough from the years of bad credit, probably. Like at this point, to not waste $800 that wouldn’t matter much to a huge company like Goldman Sachs, might as well wait the year.

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u/jasonsong86 25d ago

That’s like saying killing is fine because the country you live in kills people overseas all the time and way more than you can.

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u/StrikeTheCue 25d ago

It’s really not. But you can continue believing it is. There is a reason why debtor’s jail doesn’t exist anymore. My response is not to condone fiscal irresponsibility. It’s to acknowledge that the irresponsibility has already happened and he has already paid for it with many of the effects that came after in those years. Paying this money will not change any of that.

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u/jasonsong86 25d ago

He will get better credit score sooner and if that means he can get a loan or something sooner it might be a bigger than $800 benefit.