Jait
Molten Core Raider
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THIS. And nothing else.Just be careful. While you're technically in the right, that loan is still on your credit and Chase will report it late at some point.
No matter how much you are right, banks do not give a shit. So if you ever plan on running a business or buying a home, pay them their fucking extortion money if they tell you they'll report it. Otherwise you take the credit hit, and for the next 50 years companies will keep buying that 150$ payment for pennies on the pennies and harass the shit out of you.