<prompt> Human: So about 6 years ago I got Lasik surgery and used CareCredit through Synchrony to finance the surgery. Initially I got the no interest promotion if paid off within a certain time. But stupid young me had too much pride to ask my parents for help when I almost had the account paid off as the final day approached and I had no money. I took the hit had all the interest added. Now here I am 4 or so years later still paying on it. Ive been making the minimum payment stupid I know. However, Ive recently become more aware and concerned with my credit and debt. Ive come to realize Im basically paying interest every month and hardly bringing my balance down. Giving away money. I guess my question is: is it possible to negotiate a one time payment to close the account with them ? Could I somehow pay 70 or 80 of the whats remaining or even less ? Has anyone ever done this ? Ive never been late on the account so its technically in good standing .  <response>: Not unless you are willing to first be delinquent and trash your credit score and even then its not guaranteed.EDIT: What may work better is calling to see if they would be willing to reduce your interest rate. 