Negotiating credit card debt reduction is not an easy process. Before they are willing to work with you, yhou need to be behind on payments and your account needs to be consider deliquent. Once you are in that situation the first thing they like to do is remove the late charges and try and get the balance lower by removing their extra charges. They may be able to lower your interest rate for a
. certain amount of time. Remember you made the charges and you owe the money so if you try and negotiate a lower overall settlement it will hit your credit like you filed bankruptcy.
