THIS is why banks don’t want you using ChatGPT.
I owed $6,800.
I walked away paying $2,950.
No bankruptcy.
No hit to my credit.
No expensive lawyers.
Just 7 prompts that turned 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.