ilmscore | Credit Card Debt Management Predictions
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Credit Card Debt Management

Topic
N/A
Accuracy

Recent Predictions

Total: 4
Correct: 1
Incorrect: 0
Pending: 3
Unrated: 0
Prediction
Author
Predicted at
Status
Video
Given the inability to pay off existing debt, the advice is to let credit cards go to collections, explore debt consolidation, and demonstrate behavioral change for at least three months before considering further options.
"You might just let your credit card die. Go to go all collections and just do some debt consolidatio..."
Caleb Hammer Caleb Hammer
Oct 15, 2025
Pending
I (almost) Gave Up.....
The individual has accumulated significant interest charges ($3,000 this year alone) on credit cards due to missed payments and being over-limit, equating to a month's income lost.
"Capital One $5,8179. Shocker. Completely behind. Yeah. So that that that was part of the limit credi..."
Caleb Hammer Caleb Hammer
Sep 24, 2025
Pending
"Fascist America" Fo...
The speaker criticizes the guest's use of a credit card intended for rent payments to fund extensive travel, highlighting a misalignment with financial goals.
"The whole point of this card is to pay your rent on it. You're just going and blowing all this money..."
Caleb Hammer Caleb Hammer
Sep 17, 2025
Correct
Most Batsh*t Crazy W...
Allowing a credit card to go into default might be a more beneficial strategy than repeatedly using ineffective debt management techniques, as it would prevent further spending.
"If you're going to go through all that and it clearly hasn't worked previously, let the credit card ..."
Caleb Hammer Caleb Hammer
Jul 25, 2025
Pending
She Came Here To Fig...