If you’ve watched TV at all the last few months, you’ve almost certainly have seen the commercial campaigns for Help With My Credit program, a project by Bank of America, Discover Capital One, and Citi “in cooperation with” MasterCard Worldwide.

The Help With My Credit campaign ads usually feature an exuberantly happy individual that tells different versions of the same story about how basically they were in debt and and they called up their creditor to come up with alternative payment plans and negotiate fees. Personally, I feel the ads are a bit over the top obnoxious. By the bubbly way these character actors tell “their” stories, you almost question whether or not they are on any mind-altering substances. That being said, I do give props to the banks for doing this. Just exactly how much assistance or leeway they are giving cardholders… I don’t know. But, any help is better than no help. So, even if the commercials are a cheesy, at least the message behind them is something positive.

Has anyone here tried calling Help With My Credit? If so, please share your experiences with Credit Card Forum readers so we can know what to expect.

Written June 2009