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Credit card company won't work with you while you're going through financial hardship. Since my last submission, The Bank XXXX Missouri XXXX XXXX Credit Card ) has granted full hardship relief for the identical situation ( job loss XX/XX/year>, XXXX issues ) : 0 % XXXX, {$110.00} late fees waived/credited, no future late fees, fixed $ 30 monthly payment until paid in full. Concora continues to charge 29.99 % interest and late fees on my closed Milestone account ending XXXX despite the same documented hardship. This inconsistent treatment is unfair and predatory. Demand identical relief : 0 % APR, full late fee waiver, fixed $ 30 monthly payment, no charge-off. Secondary : immediate charge-off so fees stop.