Credit card interest rates are some of the highest borrowing costs out there, currently averaging above 20%. When you carry a card balance, not only are you taking money from your future self, you’re piling interest on top of interest.

And it’s more than just numbers—this kind of financial strain affects real-life goals, emotional well-being, and long-term stability.

Here’s what typically happens when you can’t pay your credit cards:

• Late fees and penalty APRs can rack up quickly
• Your credit score may drop once your account is 30+ days late
• Debt may be sent to collections, and in some cases, legal action can follow

What we want you to know is that you have options, and support is available. THD Credit can help you build a stronger financial foundation for long-term results. 

• Review and dispute errors on your credit report
• Guide you in negotiating with credit card companies and requesting hardship programs
• Create a realistic debt strategy based on your unique situation
• Help rebuild your credit with the right tools and habits
• Provide accountability and expert support so you don’t have to figure it out alone

We’re here to help you move forward with a clear, actionable plan—and relieve some of the pressure.

If you have any questions call us at (800) 822-7120.