Credit card companies charge the merchant a percentage of each sale. The amount varies, depending on the sales volume, which can be used to negotiate with the credit card provider.
One could learn how to negotiate with credit card companies by reading all 13 steps from wikiHow. Another way is reading Allen Teals article "Personal Finance".
You may do that in case of credit card consolidation wherein your credit card debts are consolidated into one credit card. However, if you can still negotiate to lower your interest rate and monthly payments; it is still better to pay off your debt with cash and not consolidation.
Merchants negotiate credit card processing fees with the issuer of the card. Larger businesses generally can negotiate smaller fees and thus pay less than small businesses. Typical fees range from 1.5% - 4% of the overall transaction.
To negotiate credit card debt, it is advised that one should request a lower interest rate of at least 2% below the national average. One should also offer a lump sum payment of 25% to the credit card company.
Credit card debt negotiation can be used to dispute any unauthorized fees and charges. It can also be used to negotiate terms (such as interest fees, late payments) and lower one's assumed debt.
Debt settlement companies can help negotiate debt relief with all your creditors. This will include credit card companies who may be willing to write off part of your debt.
They won't reduce your debt. However, If you're in difficulties, credit card companies would rather negotiate a lower payment rate over a longer period - than default your account. They would normally try to help a customer than go down the legal recovery route.
a prepaid credit card
Credit card images can be personalized depending on your credit card issuer. Most credit card issuers offer a service for credit card personalization for a fee.
a credit card that is secured by a deposit of your own money
One can improve their credit by paying bills on time, keep your credit card balances low, and only apply for credit when it is absolutely necessary. One can also negotiate with creditors for a resolution that is acceptable for both sides and within ones financial means.