<prompt> Human: I made the mistake of opening a Best Buy Credit Card in order to purchase equipment for my photography business. I fell for the old 0 for 12 months. Fast forward I didnt pay off the card within that period. My limit was 5,600 which I did not exceed, however, I now owe 6,018.93 26.99 because I was charged the deferred interest. I took an interest free loan from my mother-in-law bless her heart for 5,000. Today I paid off 1,872.49 to avoid more deferred interest charges, which would have been an additional 579.49 charge. The remaining balance is 4,146.44. I have 3,127.51 left to try and pay off this card, but I want to be smart about it. Im 1,018.93 short. Is it worth trying to negotiate the APR? Worth negotiating the deferred interest? So far they wont budge. One manager told me that they only negotiate with delinquent accounts. Is it worth letting my account go into a delinquent status, so I can cut a better deal? Will that trash my credit? I have a credit score of 720, so I dont want to cut my nose to spite my face. Advice going forward is deeply appreciated. Thank You.  <response>: Is it worth letting my account go into a delinquent status, so I can cut a better deal? No. Will that trash my credit? Yes 