First of all, thanks for reading! I need some advice haha
I've recently left a branch of the armed forces and found some bills prior to my service. I am currently out of the US.
The bills were dated 3 years ago with a balance of $4.10 for something that I can't recall.. The CA asked me to write them to get the info.
Basically I left the country in August and the statement arrived in September.
I called the CA and they say they can't respond to any requests for information from abroad and I need a US address.
At this point, I would like to dispute the accrued late fees as the original card agreement states that a balance under $15 is not charged a fee. However, I'm seeing a fee of 10$ every month.
If I pay off the debt, will it just show as paid in full? Is it worth settling or asking for a pay for delete? What is the best option here?
It doesn't feel right paying 200 dollars for what was 4 dollars originally.