Here’s a fun fact – most credit card companies are willing to lower the interest rates on your credit card fees. Any credit card holder should be very pleased with this news. However, this comes with a condition. So as to be legible for said lower interest rates, you must already be punctual with payments on your credit card fees. On top of this, you should also have a good credit score. In view of these facts, we can hence conclude that with a good credit score and a good repayment record, credit card debt negotiation can be a walk in the park.