There are several keys to dealing with credit card companies that come in handy such as being polite and courteous. Also speaking with the manager will help you work a deal with them.
You cannot get the balance owed reduced unless you are behind in payments. You can get interest rates reduces or fees dropped if you threaten to close the account.
Make sure your credit is strong enough before you apply for credit. Most of their cards have to be paid off in full each month so you need strong capital.
