Can you explain a wage plan beside a credit card company?

I've heard of calling your Credit Card company and asking to be put on a clearing plan possibly with a lower fixed APR.This is a correct option compared to using CCCS, so what are the details?

What do I ask? Can they 'cancel' the card so they know I won't use it and after let me receive lower payments at a lower interest? That's not really to their benefit, but what would be a good plan to ask for that they might in fact agree to?

TIA!! Love all of these answers!! Very willing to help!

How can citizens lower than age 16 or 18 do online shopping?

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Answers:   In general a giving plan would entail putting your on a 0% interest or lower interest, stopping lc's, o/l fees and contained by most cases lower payments. Some companies will bring the account current after 3 payments enjoy been made, but contained by most cases your account will be revoked (closed). It is to their benefit to work beside the consumer so the account does not charge sour and they have to claim it as a loss.

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