I have a Chase account and have paid every bill on time but my balance went up when my husband was in his last few years of school. If you are able to get them to charge off, you will be lucky. I have asked so many times to have my interest lowered but they won’t.
They will gladly increase my interest and my credit though 🙂 They even called once and said I saw that you paid $2,000 some dollars last year in interest alone, would you like insurance if somehow you couldn’t pay the minimum? No, thank you. Good luck though.