Can’t afford credit card minimum payments


I’ve got a credit card in about 3,500 debt. I’m in my early 20s on benefits unable to work. The minimum payment is usually about 150. I can’t make this payment anymore.

I don’t know whether to ask for a repayment plan or wait for debt collectors and deal with them. I really need the best advice on what to do. I know this is going to screw up my credit rating, but if anyone could help me with the best solution that will ruin my credit score the least amount, I’d seriously appreciate it. Thanks.



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