If you are unable to pay your credit card bills for more than 90 days, they freeze your credit card and turn in your account to collection agencies. Unpaid credit card bills can result in late payment fees, increased interest rates, and severe damage to your credit score.
https://www.creditmantri.com/article-struggling-to-pay-your-credit-card-bills-on-time-heres-what-you-can-do/
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