Here's the issue:

You know that you have two credit cards, with two credit card bills. Whether or not you actually get a paper statement has no bearing here. You have a bill to pay and didn't pay it for three months.

There is no harassment if you OWE them money. They are doing what they can to get what is due to them. So, they could call you at midnight, 12:05 12:10 and so on, for the length of ten days straight if they wanted to. Its their job to get you to pay.

And even though you had impeccable credit with these creditors, that is in the past. You have been delinquent with your bills, which has now scarred your credit.


Simple fix, pay your bill off in full and close the card.