<prompt> Human: I have some money saved up and I want the bill reduced; my CC company keeps charging interest and fees. Its for 2,500 and Im ready to pay it off in one go. If I offer this, is there a likelihood that theyll be more likely to waive some of the fees and interest? Its not much but a lot of it is from the last few years and I just want to get the bill down.  <response>: what leverage do I have in terms of interest and amount?None. You agreed to the terms when you signed up. Any discount they give you will be 100 optional on their part. 