Credit Card Emerge/FNBO

Since the merger or acquistion of Providian by Emerge, I have been unable to keep up with the interest on my account. It seems that each time I make a payment I get further behind due to the high interest rates. I have called on several occasions to request a lower interst rate but was told this is the rate and you have to pay it. I am a sinlge mother trying to get ahead of my bills with the need to provide just the everyday needs that my family requires.(ie...food, clothes, shelter). It appears that Emerge is in the business of creating the highest interest rate possible and not in the business of creating good will. This account was closed by the company because I could not afford to meet their demands each time they raised the interest. This account was not used for any purchases since it was closed by Emerge.

All I really want from this company is to allow me to pay principal of the account and forgive the interest so that I may pay the account in full in the near future. If this is can't be done, then I see nothing but bankruptcy in my future.

Concetta A. Miller

9801 S. Ridgeland Ave.

Oak Lawn Illinois 60453

Acct. #518189000203

Thank you,

Concetta A. Miller