I was on such a roll that I called the CC

with the largest balance to see if there was anything we could do to “get it out of collections”. It’s not overly past due (day 35) but all the late fees etc add up to a demand of $372 to “get it current.”
Yeah no. But I have until March 9 my next due date to keep it from getting worse lol. Unless I’d like to pay half today and half by the 9th.

Yeah, no thanks.

Now that they’ve demonstrated they are below the line mentality, I’ll probably just pay them enough on the account on the 9th to get it under the limit plus the late fee for the month so it doesn’t go back over (thereby charging me a late fee PLUS an overlooking fee).
They were pleasant about it, just, we don’t have to and we’re not going to.