I was wondering, how far will a creditor go to assure that you repay a balance owing them? By this, I mean, or rather, I hope that I can come up with a solution that benefits us both. Is there anyway I could strike a deal to bring my balance down to half and for Capital One to open a new line of credit for me and place that balance on it so that I may make regular monthly payments on it. Almost like a transfer, but really after the fact. I would win since I would get another chance to prove myself this time, and they would also win since they could charge me an APR and make money off me, which is their sole intent anyway. Has anyone ever heard of someone doing this? Should I be so bold as to suggest it? Thanks so much for any words of advice.