We are 95 days past due with USAA.

They offered us a plan ( through the mail)

0% interest and 1% of the balance as payment for 12 months

after 4 payments-- account is brought current.

after 12 months the interest rate is 8.9%


As much as I don't want to take USAA down.......I am having a hard time signing up for this offer because it is our biggest balance card. DH owes 11k so the payment would be $110.

I'm not sure going into a plan while trying to settle the 3 other ( and much smaller) accounts is the best deal.

Will the offer with USAA get better?
Will the settle for a smaller amount later??

Should I jump on this now?

That seems like a reasonable offer from USAA if you can swing it. Don't know if they will come up with a "better" offer later, to be honest.

Probably not. More likely that things will eventually get worse. USAA doesn't like taking losses.
If the offer is affordable to you, I'd take it.

Take it and run with it! You won't get any better!

I'm in CCCS for 2 CC's with USAA. One for $19,000 and the other for $10,500. My lowest interest WITH my CCCS is 12% on both cards.