Why banks don't want you using ChatGPT
No bankruptcy. No hit to your credit. No costly attorneys. 7 prompts that turn the tables: 1. “Draft an email offering to settle my balance for 50% if I can pay in full today.” → Reps often take this seriously. 2. “Lay out the exact steps to request a lower APR on my [Bank] card.” → Cuts down massive interest charges. 3. “Show me what hardship programs my card issuer offers and how to qualify.” → Hidden options most people never hear about. 4. “Write me a call script to remove late fees from my account.” → Quick win—done in minutes. 5. “Find nonprofit credit counseling groups that negotiate with lenders.” → Many offer help at no cost. 6. “Compare the best balance transfer cards with 0% APR for 12–18 months.” → Gives breathing room with no interest piling up. 7. “Create a system to track progress and rebuild credit after debt payoff.” → Keeps you consistent and moving forward. Save these. Try them out. Your debt plan will never look the same again!