<prompt> Human: Ok. I have never posted a topic here before but have followed the community for a few weeks trying to learn tips on how to better my finances. I did have a personal question though. I am 31 years old. Recently separatedheading towards divorce. Before marriage, I wasnt great with my money. During marriage, my husband took control of most of the bills and finances. Now I decided that its better late than never at all and want to get my money situation in check finally. I have 2 credit cards. One is a Gap Credit Card with 1829 and a Sleepys Card with 1000 with no interest until November. My plan is to pay off the Gap Credit Card this month, keep the card open with a Netflix payment every month since its the first credit card i got at age 20, and then find a new CC with good rewards. The Sleepys card is budgeted to be paid off by July 1st. My apologies if that was a little TL;DR. My question is, before paying off the Gap Credit Card and possibly Sleepys also?, can I call them and ask if the amount can be decreased in order to make a full payment of the debt? I have had multiple late payments in the early years of this account also. Any advice would be sincerely appreciated. Thanks a lot.  <response>: The only way the amount goes down is if the bill goes into collections and is charged off, which will do some extraordinary damage to your credit. Im guessing you dont want this to occur.Thus, just pay the bill in its entirety. 